| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | ONE WORLD FINANCIAL CTR 200 LIBERTY STREET NEW YORK, NY 10281 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $74K | $74K | 3.35% |
| DONALD C SAVOY INC3 Filed as: DONALD C. SAVOY INC. | 25B HANOVER ROAD, STE 220 FLORHAM PARK, NJ 07932 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $47K | $47K | 2.15% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY INC. | ONE WORLD FINANCIAL CENTER 200 LIBERTY STREET NEW YORK, NY 10281 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | — | $5K | 0.24% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST | P.O. BOX 4557 NEW YORK, NY 10249 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $1K | $566 | $2K | 7.53% |
| SAVOY ASSOCIATES3 | 25B HANOVER ROAD, SUITE 220 FLORHAM PARK, NJ 07932 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $1K | $1K | 5.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST | P.O. BOX 4557 NEW YORK, NY 10249 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $921 | $303 | $1K | 8.95% |
| SAVOY ASSOCIATES3 | 25B HANOVER RD, SUITE 220 FLORHAM PARK, NJ 07932 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $684 | $684 | 5.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST | P.O. BOX 4557 NEW YORK, NY 10249 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $1K | $278 | $1K | 11.81% |
| SAVOY ASSOCIATES3 | 25B HANOVER RD, SUITE 220 FLORHAM PARK, NJ 07932 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $632 | $632 | 5.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST | P.O. BOX 4557 NEW YORK, NY 10249 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $532 | $101 | $633 | 13.66% |
| SAVOY ASSOCIATES3 | 25B HANOVER RD, STE 220 FLORHAM PARK, NJ 07932 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $232 | $232 | 5.01% |
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 | 140 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 154 | $2.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 154 | $2.2M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 154 | $2.2M |
| Life insurance(2 contracts, 2 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 140 | $82K |
| Short-term disability(2 contracts, 2 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 140 | $43K |
| Long-term disability(2 contracts, 2 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 140 | $40K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 154 | $2.2M |
| Other(2 contracts, 2 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 140 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 154 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.