| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAVOY ASSOCIATES3 Filed as: DONALD C SAVOY ASSOCIATES | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | INDEPENDENCE BLUE CROSS | $80K | $0 | $80K | 2.67% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 4000 MIDLANTIC DR SUITE 300 MT LAUREL, NJ 08054 | INDEPENDENCE BLUE CROSS | $25K | $0 | $25K | 0.82% |
| SAVOY ASSOCIATES3 Filed as: DONALD C SAVOY ASSOCIATES | 25B HANOVER RD SUITE 220 FLORHAM PARK, NJ 07932 | INDEPENDENCE BLUE CROSS | $11K | $0 | $11K | 6.33% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 4 RADNOR CORPORATE CENTER SUITE 510 RADNOR, PA 19087 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 13.31% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 100 MATSONFORD RD RADNOR, PA 19087 | VISION BENEFITS OF AMERICA | $2K | $0 | $2K | 5.00% |
| JP WARNER ASSOCIATES, INC.3 Filed as: JP WARNER ASSOCIATES INC | 485 DEVON PARK DRIVE SUITE 103 WAYNE, PA 19087 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 9.30% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 100 MATSONFORD RD 4 RADNOR CORPORATE CENTER SUITE 510 RADNOR, PA 19087 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $121 | $0 | $121 | 0.70% |
| SAVOY ASSOCIATES3 Filed as: DONALD C SAVOY ASSOCIATES | 25B HANOVER RD SUITE 220 FLORHAM PARK, NJ 07932 | KEYSTONE | $194 | $0 | $194 | 2.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 4000 MIDLANTIC DR SUITE 300 MT LAUREL, NJ 08054 | KEYSTONE | $68 | $0 | $68 | 0.72% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INS AGENCY | 3055 44TH ST SW GRANDVILLE, MI 49418 | FEDERAL INSURANCE COMPANY | $608 | $38 | $646 | 15.95% |
| MOTTI M COHEN3 | HEALTH PLAN INSURANCE SOLUTIONS 1901 AVENUE OF THE STARS, SUITE 615 LOS ANGELES, CA 90067 | SIRIUS INTERNATIONAL INSURANCE CORPORATION | $331 | $0 | $331 | 25.02% |
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 | 193 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 184 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 378 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | INDEPENDENCE BLUE CROSS | 435 | $3.2M |
| Vision | VISION BENEFITS OF AMERICA | 171 | $42K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 196 | $45K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 196 | $45K |
| Prescription drug(3 contracts, 3 carriers) | INDEPENDENCE BLUE CROSS | 435 | $3.0M |
| Other(3 contracts, 3 carriers) | INDEPENDENCE BLUE CROSS | 196 | $230K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 435 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.