| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAVOY ASSOCIATES3 Filed as: DONALD C. SAVOY ASSOCIATES | 25B HANOVER ROAD FLORHAM PARK, NJ 07932 | INDEPENDENCE BLUE CROSS | $46K | — | $46K | 1.08% |
| SAVOY ASSOCIATES3 Filed as: DONALD C. SAVOY ASSOCIATES | 25B HANOVER ROAD FLORHAM PARK, NJ 07932 | KEYSTONE | $12K | — | $12K | 0.68% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DRIVE SUITE 200 CAMDEN, NJ 08103 | DELTA DENTAL OF PENNSYLVANIA | $12K | — | $12K | 3.28% |
| THE COLUMBIA GROUP3 | UNKNOWN BALTIMORE, MD 21208 | DELTA DENTAL OF PENNSYLVANIA | $6K | — | $6K | 1.72% |
| GROSS, ARYEH3 | STE 514 600 REISTERSTOWN ROAD BALTIMORE, MD 21208 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $30K | — | $30K | 8.76% |
| CORPORATE SYNERGIES GROUP LLC3 | THE FERRY TERMINAL BLDG 2 AQUARIUM DRIVE STE 200 CAMDEN, NJ 08103 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $2K | $11K | 3.30% |
| DIRECTPATH, LLC3 | 120 18TH ST S STE 102 BIRMINGHAM, AL 35233 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $924 | — | $924 | 0.27% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DR STE 200 CAMDEN, NJ 081031000 | VISION SERVICE PLAN | $6K | — | $6K | 8.67% |
| THE COLUMBIA GROUP3 Filed as: COLUMBIA GROUP LLC | 600 REISTERSTOWN RD STE 514 BALTIMORE, MD 212085108 | VISION SERVICE PLAN | $3K | — | $3K | 4.22% |
| DONALD C SAVOY INC3 Filed as: DONALD C. SAVOY, INC. | 25B HANOVER RD STE 220 FLORHAM PARK, NJ 079321443 | VISION SERVICE PLAN | $1K | — | $1K | 2.11% |
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 | 1,194 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS | 776 | $6.0M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 1,145 | $361K |
| Vision(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS | 776 | $4.3M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,377 | $340K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,377 | $340K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,377 | $340K |
| Prescription drug | KEYSTONE | 292 | $1.8M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,521 | $360K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,521 | — |
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.