| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JN SAVASTA CORP3 Filed as: J N SAVASTA CORP | 60 BROAD STREET 37TH FLOOR NEW YORK, NY 10004 | SIERRA HEALTH AND LIFE INSURANCE CO., INC. | $83K | — | $83K | 2.85% |
| JN SAVASTA CORP3 Filed as: J N SAVASTA CORP. | 1350 BROADWAY, RM 410 NEW YORK, NY 10018 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $20K | — | $20K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SAVASTA AND COMPANY, INC. EIN 13-3879959 NONE | Direct payment from the plan; Other fees; Contract Administrator; Actuarial Service code 11 | — | $1.9M |
| ANTHEM HEALTH PLAN EIN 06-1475928 NONE | Float revenue; Claims processing; Investment management fees paid directly by plan; Direct payment from the plan Service code 12 | — | $396K |
| BROADREACH MEDICAL RESOURCES EIN 02-0640082 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $99K |
| CALIBRE CPA GROUP, PLLC EIN 47-0900880 AUDITOR | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $51K |
| DDS, INC. EIN 11-2705347 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $50K |
| CARY KANE, LLP EIN 20-1942442 LEGAL COUNSEL | Legal; Direct payment from the plan Service code 29 | — | $48K |
| MORGAN, LEWIS AND BOCKIUS EIN 23-0891050 NONE | Legal; Direct payment from the plan Service code 29 | — | $27K |
| SEGAL CONSULTING EIN 13-1835864 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $26K |
| MEDREVIEW EIN 13-3240352 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $25K |
| JENNISON ASSOCIATES EIN 52-2069785 NONE | Soft dollars commissions; Investment management fees paid directly by plan; Investment management fees paid indirectly by plan; Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $20K |
| QUANTITATIVE MANAGEMENT EIN 22-1211670 NONE | Soft dollars commissions; Investment management fees paid directly by plan; Investment management Service code 28 | — | $11K |
| BERNZOTT CAPITAL ADVISORS EIN 77-0464710 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $10K |
| OPTUM NONE | Direct payment from the plan; Claims processing Service code 12 | 11000 OPTUM CIRCLE EDEN PRAIRIE, MN 55344 | $10K |
| STACEY BRAUN EIN 13-2889432 NONE | Investment management fees paid directly by plan; Investment management fees paid indirectly by plan; Investment management; Soft dollars commissions Service code 28 | — | $9K |
| SCHULTHEIS & PANETTIERI, LLP NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | 210 MARCUS BLVD HAUPPAUGE, NY 11788 | $6K |
| KROGER SPECIALTY PHARMACY NONE | Direct payment from the plan; Claims processing Service code 12 | 3200 LAKE EMMA ROAD LAKE MARY, FL 32746 | $5K |
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 | 927 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 631 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 1,563 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SIERRA HEALTH AND LIFE INSURANCE CO., INC. | 701 | $2.9M |
| Life insurance | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 882 | $132K |
| Other | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 882 | $132K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 882 | — |
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."
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.