| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DONALD C SAVOY INC3 | 25 B HANOVER ROAD STE 220 FLORHAM PARK, NJ 07932 | AETNA | $47K | $103K | $151K | 4.20% |
| DONALD C SAVOY INC3 | 25 B HANOVER ROAD STE 220 FLORHAM PARK, NJ 07932 | HARTFORD LIFE AND ACCIDENT | $3K | $1K | $5K | 13.32% |
| IFS BENEFITS LLC3 Filed as: IFS BENEFITS, LLC | 220 CONTINENTAL DR STE 209 NEWARK, DE 19713 | HARTFORD LIFE AND ACCIDENT | $283 | — | $283 | 0.77% |
| DONALD C SAVOY INC3 | 25 B HANOVER ROAD STE 220 FLORHAM PARK, NJ 07932 | HARTFORD LIFE AND ACCIDENT | $4K | $5K | $9K | 138.54% |
| IFS BENEFITS LLC3 Filed as: IFS BENEFITS, LLC | 220 CONTINENTAL DR STE 209 NEWARK, DE 19713 | HARTFORD LIFE AND ACCIDENT | $103 | — | $103 | 1.60% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA BEHAVIORAL HEALTH LLC PLAN ADMINISTRATOR | Plan Administrator Service code 14 | 151 FARMINGTON AVE HARTFORD, CT 06156 | $7K |
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 | 313 | 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) | 313 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA | 313 | $3.6M |
| Dental | AETNA | 313 | $3.6M |
| Vision | AETNA | 313 | $3.6M |
| Life insurance(2 contracts) | HARTFORD LIFE AND ACCIDENT | 387 | $109K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 171 | $9K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 141 | $34K |
| Other | HARTFORD LIFE AND ACCIDENT | 387 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 387 | — |
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.