| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JN SAVASTA CORP3 Filed as: JN SAVASTA CORP. | 1350 BROADWAY STE 410 NEW YORK, NY 10018 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $30K | $30K | 5.01% |
| DONALD C SAVOY INC3 Filed as: DONALD C SAVOY | 25B HANOVER RD, STE 2200 FLORHAM PARK, NJ 07932 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $12K | $12K | 2.00% |
| JN SAVASTA CORP3 Filed as: JN SAVASTA CORP. | 1350 BROADWAY SUITE 410 NEW YORK, NY 10018 | MADISON NATIONAL LIFE | $24K | — | $24K | 16.18% |
| MGU UNDERWRITING FEE3 | 1280 BRIGHTON WAY NEWTOWN SQUARE, PA 19073 | MADISON NATIONAL LIFE | $8K | — | $8K | 5.50% |
| JOSEPH N SAVASTA3 | 28 TANGLEWYLDE AVE BRONXVILLE, NY 10708 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 5.53% |
| JN SAVASTA CORP3 | 1350 BROADWAY RM 410 NEW YORK, NY 10018 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 4.60% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 323 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 323 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 38 | $742K |
| Dental | STANDARD INSURANCE COMPANY | 250 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 250 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.