| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: RISK PLACEMENT SERVICES, INC. | ROUND TABLE STUDIOS BERKELEY HEIGHTS, NJ 07922 | INDEPENDENCE BLUE CROSS | $105K | $0 | $105K | 20.30% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: RISK PLACEMENT SERVICES, INC. | ROUND TABLE STUDIOS BERKELEY HEIGHTS, NJ 07922 | INDEPENDENCE BLUE CROSS | $6K | $0 | $6K | 3.28% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 325 CHESTNUT STREET PHILADELPHIA, PA 19106 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $2K | $8K | 13.23% |
| SAVOY ASSOCIATES3 | 25B HANOVER ROAD, SUITE 220 FLORHAM PARK, NJ 07932 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 2.93% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: RISK PLACEMENT SERVICES, INC. | 200 CONNELL DRIVE BERKELEY HEIGHTS, NJ 07922 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 2.46% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 325 CHESTNUT STREET PHILADELPHIA, PA 19106 | PRINCIPAL FINANCIAL GROUP | $3K | $376 | $3K | 6.66% |
| DONALD C SAVOY INC3 Filed as: DONALD C. SAVOY, INC. | 200 CONNELL DRIVE, SUITE 1000 BERKELEY HEIGHTS, NJ 07922 | PRINCIPAL FINANCIAL GROUP | $0 | $2K | $2K | 3.65% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: RISK PLACEMENT SERVICES, INC. | 1717 NORTH RUBY STREET PHILADELPHIA, PA 19131 | PRINCIPAL FINANCIAL GROUP | $0 | $205 | $205 | 0.45% |
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 | 115 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS | 120 | $519K |
| Dental | PRINCIPAL FINANCIAL GROUP | 133 | $45K |
| Vision | INDEPENDENCE BLUE CROSS | 120 | $175K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 115 | $63K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 115 | $63K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 115 | $63K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 120 | $175K |
| Other(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS | 120 | $582K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 133 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.