| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORE EMPLOYER SERVICES3 Filed as: CORE EMPLOYER SERVICE | 5547 FOREST HIGHLAND CT WESTERVILLE, OH 43082 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $83K | — | $83K | 5.03% |
| CORE EMPLOYER SERVICES3 Filed as: CORE EMPLOYER SERVICE | 5547 FOREST HIGHLAND CT WESTERVILLE, OH 43082 | DELTA DENTAL OF NEW JERSEY, INC. | $7K | — | $7K | 10.00% |
| DONALD C SAVOY INC3 Filed as: DONALD C SAVOY, INC | ROUND TABLE STUDIOS, SUITE 1000 200 CONNELL DR BERKELEY HEIGHTS, NJ 07922 | DELTA DENTAL OF NEW JERSEY, INC. | $4K | — | $4K | 5.00% |
| CORE EMPLOYER SERVICES3 Filed as: CORE EMPLOYER SERVICE | 5547 FOREST HIGHLAND CT WESTERVILLE, OH 43082 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 8.57% |
| CORE EMPLOYER SERVICES3 Filed as: CORE EMPLOYER SERVICE | 5547 FOREST HIGHLAND CT WESTERVILLE, OH 43082 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 14.53% |
| CORE EMPLOYER SERVICES3 Filed as: CORE EMPLOYER SERVICE | 5547 FOREST HIGHLAND CT WESTERVILLE, OH 43082 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $470 | — | $470 | 9.99% |
| CORE EMPLOYER SERVICES3 Filed as: CORE EMPLOYER SERVICE | 5547 FOREST HIGHLAND CT WESTERVILLE, OH 43082 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $299 | — | $299 | 12.02% |
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 | 102 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 70 | $1.7M |
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 72 | $71K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 31 | $5K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 102 | $28K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 102 | $17K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 102 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 102 | — |
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.