| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAVOY ASSOCIATES3 Filed as: DONALD C SAVOY ASSOCIATES | 25B HANOVER RD FLORHAM PARK, NJ 07932 | INDEPENDENCE BLUE CROSS | $20K | — | $20K | 0.58% |
| SAVOY ASSOCIATES3 Filed as: DONALD C SAVOY ASSOCIATES | 25B HANOVER RD FLORHAM PARK, NJ 07932 | KEYSTONE | $6K | — | $6K | 0.36% |
| THE COLUMBIA GROUP3 | 600 REISTERSTOWN RD STE 514 BALTIMORE, MD 21208 | DELTA DENTAL OF PENNSYLVANIA | $9K | — | $9K | 2.94% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE, SUITE 100 MT LAUREL, NJ 08054 | DELTA DENTAL OF PENNSYLVANIA | $6K | — | $6K | 2.06% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | PO BOX 654118 DALLAS, TX 75265 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $1K | $9K | 4.90% |
| ARYEH GROSS3 | 600 REISTERSTOWN RD STE 514 BALTIMORE, MD 21208 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 2.10% |
| ARYEH GROSS3 | 600 REISTERSTOWN RD STE 514 BALTIMORE, MD 21208 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 9.04% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | PO BOX 654118 DALLAS, TX 75265 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $337 | $4K | 7.31% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | PO BOX 654118 DALLAS, TX 75265 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 15.93% |
| DIRECTPATH, LLC3 | 120 18TH ST S STE 102 BIRMINGHAM, AL 35233 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $2 | $2K | 3.04% |
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 | 1,157 | 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) | 1,157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS | 643 | $5.2M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 745 | $294K |
| Vision(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS | 643 | $3.5M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 985 | $234K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 985 | $174K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 985 | $174K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 643 | $3.4M |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,157 | $306K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,157 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.