| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DONALD C SAVOY INC3 Filed as: DONALD C SAVOY, INC | 25B HANOVER ROAD STE 220 FLORHAM PARK, NJ 07932 | HIGHMARK OF DELAWARE | $34K | — | $34K | 0.77% |
| DOVER FINANCIAL GROUP3 | P.O. BOX 311 DOVER, DE 19903 | HIGHMARK OF DELAWARE | $12K | — | $12K | 0.26% |
| ASCELA PARTNERS LLC3 Filed as: ASCELA PARTNERS | 200 CONTINENAL DR STE 209 NEWARK, DE 19713 | UNITED OF OMAHA LIFE INSURANCE CO | $5K | — | $5K | 9.17% |
| DOVER FINANCIAL GROUP3 | 872 WALKER RD STE C DOVER, DE 19904 | UNITED OF OMAHA LIFE INSURANCE CO | $488 | — | $488 | 0.83% |
| ASCELA PARTNERS LLC3 Filed as: ASCELA PARTNERS | 200 CONTINENAL DR STE 209 NEWARK, DE 19713 | UNITED OF OMAHA LIFE INSURANCE CO | $6K | — | $6K | 11.02% |
| DONALD C SAVOY INC Filed as: DONALD S SAVOY INC | 25B HANOVER RD STE 220 FLORHAM PARK, NJ 07932 | UNITED OF OMAHA LIFE INSURANCE CO | — | $3K | $3K | 5.51% |
| DOVER FINANCIAL GROUP3 | 872 WALKER RD STE C DOVER, DE 19904 | UNITED OF OMAHA LIFE INSURANCE CO | $570 | — | $570 | 0.98% |
| ASCELA PARTNERS LLC3 Filed as: ASCELA PARTNERS | 200 CONTINENTAL DRIVE STE 209 NEWARK, DE 19713 | UNITED OF OMAHA LIFE INSURANCE CO | $3K | — | $3K | 9.93% |
| DOVER FINANCIAL GROUP3 | 872 WALKER RD STE C DOVER, DE 19904 | UNITED OF OMAHA LIFE INSURANCE CO | $392 | — | $392 | 1.20% |
| DONALD C SAVOY INC Filed as: DONALD S SAVOY INC | 25B HANOVER RD STE 220 FLORHAM PARK, NJ 07932 | UNITED OF OMAHA LIFE INSURANCE CO | — | $446 | $446 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK DELAWARE EIN 51-0020405 N/A | Contract Administrator Service code 13 | — | $64K |
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 | 348 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 348 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HIGHMARK OF DELAWARE | 0 | $4.4M |
| Vision | HIGHMARK OF DELAWARE | 0 | $4.4M |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE CO | 450 | $117K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE CO | 449 | $0 |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE CO | 152 | $33K |
| Other | UNITED OF OMAHA LIFE INSURANCE CO | 450 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 450 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.