| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVID RISPLER3 | 1000 WOODBURY RD WOODBURY, NY 11797 | BLUECROSS BLUESHIELD OF NEW MEXICO | $91K | — | $91K | 4.31% |
| DAVID RISPLER3 | 1000 WOODBURY RD WOODBURY, NY 11797 | BLUECROSS BLUESHIELD OF NEW MEXICO | $23K | — | $23K | 4.44% |
| DAVID RISPLER3 | 395 NORTH SERVICE ROAD SUITE 206 MELVILLE, NY 11747 | NATIONWIDE INSURANCE | $19K | — | $19K | 14.09% |
| PERSONIFY HEALTH3 | 75 FOUNTAIN STREET SUITE 310 PROVIDENCE, RI 02902 | NATIONWIDE INSURANCE | — | $15K | $15K | 10.78% |
| CLOSER TO THE HEART BENEFITS3 | 6000 UPTOWN BLVD NE SUITE 100 ALBUQUERQUE, NM 87110 | NATIONWIDE INSURANCE | $11K | — | $11K | 8.32% |
| ACCURISK SOLUTIONS, LLC3 Filed as: ACCURISK SOLUTIONS LLC | 10 SOUTH LASALLE ST CHICAGO, IL 60603 | NATIONWIDE INSURANCE | — | $9K | $9K | 6.74% |
| DAVID RISPLER3 | AXA ADVISORS 1000 WOODBURY RD WOODBURY, NY 11797 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 5.14% |
| DONALD C SAVOY INC3 | ROUND TABLE STUDIOS 200 CONNELL DRIVE SUITE 1000 BERKELEY HEIGHTS, NJ 07922 | PRINCIPAL LIFE INSURANCE COMPANY | — | $3K | $3K | 5.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: RISK PLACEMENT SERVICES INC | ROUND TABLE STUDIOS 200 CONNELL DRIVE SUITE 1000 BERKELEY HEIGHTS, NJ 07922 | PRINCIPAL LIFE INSURANCE COMPANY | — | $760 | $760 | 1.25% |
| DAVID RISPLER3 | AXA ADVISORS 1000 WOODBURY RD WOODBURY, NY 11797 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | — | $5K | 7.99% |
| DONALD C SAVOY INC3 | ROUND TABLE STUDIOS 200 CONNELL DRIVE SUITE 1000 BERKELEY HEIGHTS, NJ 07922 | PRINCIPAL LIFE INSURANCE COMPANY | — | $3K | $3K | 5.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: RISK PLACEMENT SERVICES INC | ROUND TABLE STUDIOS 200 CONNELL DRIVE SUITE 1000 BERKELEY HEIGHTS, NJ 07922 | PRINCIPAL LIFE INSURANCE COMPANY | — | $731 | $731 | 1.25% |
| DAVID RISPLER3 | AXA ADVISORS 1000 WOODBURY RD WOODBURY, NY 11797 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 6.28% |
| DONALD C SAVOY INC3 | ROUND TABLE STUDIOS 200 CONNELL DRIVE SUITE 1000 BERKELEY HEIGHTS, NJ 07922 | PRINCIPAL LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: RISK PLACEMENT SERVICES INC | ROUND TABLE STUDIOS 200 CONNELL DRIVE SUITE 1000 BERKELEY HEIGHTS, NJ 07922 | PRINCIPAL LIFE INSURANCE COMPANY | — | $444 | $444 | 1.26% |
| DAVID RISPLER3 | AXA ADVISORS 1000 WOODBURY RD WOODBURY, NY 11797 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 7.72% |
| DONALD C SAVOY INC3 | ROUND TABLE STUDIOS 200 CONNELL DRIVE SUITE 1000 BERKELEY HEIGHTS, NJ 07922 | PRINCIPAL LIFE INSURANCE COMPANY | — | $905 | $905 | 4.95% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: RISK PLACEMENT SERVICES INC | ROUND TABLE STUDIOS 200 CONNELL DRIVE SUITE 1000 BERKELEY HEIGHTS, NJ 07922 | PRINCIPAL LIFE INSURANCE COMPANY | — | $239 | $239 | 1.31% |
| DAVID RISPLER3 | AXA ADVISORS 1000 WOODBURY RD WOODBURY, NY 11797 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 9.98% |
| DONALD C SAVOY INC3 | ROUND TABLE STUDIOS 200 CONNELL DRIVE SUITE 1000 BERKELEY HEIGHTS, NJ 07922 | PRINCIPAL LIFE INSURANCE COMPANY | — | $779 | $779 | 4.84% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: RISK PLACEMENT SERVICES INC | ROUND TABLE STUDIOS 200 CONNELL DRIVE SUITE 1000 BERKELEY HEIGHTS, NJ 07922 | PRINCIPAL LIFE INSURANCE COMPANY | — | $219 | $219 | 1.36% |
| DAVID RISPLER3 | AXA ADVISORS 1000 WOODBURY RD WOODBURY, NY 11797 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 20.00% |
| DONALD C SAVOY INC3 | ROUND TABLE STUDIOS 200 CONNELL DRIVE SUITE 1000 BERKELEY HEIGHTS, NJ 07922 | PRINCIPAL LIFE INSURANCE COMPANY | — | $721 | $721 | 5.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: RISK PLACEMENT SERVICES INC | ROUND TABLE STUDIOS 200 CONNELL DRIVE SUITE 1000 BERKELEY HEIGHTS, NJ 07922 | PRINCIPAL LIFE INSURANCE COMPANY | — | $169 | $169 | 1.17% |
| DAVID RISPLER3 | AXA ADVISORS 1000 WOODBURY RD WOODBURY, NY 11797 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 19.95% |
| DONALD C SAVOY INC3 | ROUND TABLE STUDIOS 200 CONNELL DRIVE SUITE 1000 BERKELEY HEIGHTS, NJ 07922 | PRINCIPAL LIFE INSURANCE COMPANY | — | $595 | $595 | 4.65% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: RISK PLACEMENT SERVICES INC | ROUND TABLE STUDIOS 200 CONNELL DRIVE SUITE 1000 BERKELEY HEIGHTS, NJ 07922 | PRINCIPAL LIFE INSURANCE COMPANY | — | $220 | $220 | 1.72% |
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 | 374 | 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) | 374 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUECROSS BLUESHIELD OF NEW MEXICO | 374 | $2.6M |
| Dental(2 contracts) | BLUECROSS BLUESHIELD OF NEW MEXICO | 374 | $2.6M |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 377 | $18K |
| Life insurance(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 237 | $51K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 237 | $61K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 237 | $58K |
| Other(3 contracts, 2 carriers) | NATIONWIDE INSURANCE | 186 | $164K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 377 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.