| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PREMIER CONSULTING PARTNERS LLC3 Filed as: PREMIER CONSULTING PARTNERS | 395 NORTH SERVICE ROAD SUITE 206 MELVILLE, NY 11747 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $82K | $82K | 2.15% |
| DONALD C SAVOY INC3 | ROUND TABLE STUDIOS SUITE 1000, 200 CORNELL DRIVE BERKELEY HEIGHTS, NJ 07922 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $76K | $76K | 2.00% |
| SAVOY ASSOCIATES3 | ROUND TABLE STUDIOS SUITE 1000, 200 CORNELL DRIVE BERKELEY HEIGHTS, NJ 07922 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $10K | $10K | 11.25% |
| PREMIER CONSULTING PARTNERS LLC3 Filed as: PREMIER CONSULTING PARTNERS | 395 NORTH SERVICE ROAD SUITE 206 MELVILLE, NY 11747 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $259 | — | $259 | 10.01% |
| DONALD C SAVOY INC3 | ROUND TABLE STUDIOS SUITE 1000, 200 CORNELL DRIVE BERKELEY HEIGHTS, NJ 07922 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $104 | $104 | 4.02% |
| PREMIER CONSULTING PARTNERS LLC3 Filed as: PREMIER CONSULTING PARTNERS | 395 NORTH SERVICE ROAD SUITE 206 MELVILLE, NY 11747 | CIGNA DENTAL HEALTH OF VIRGINIA, INC. | $259 | — | $259 | 10.01% |
| DONALD C SAVOY INC3 | ROUND TABLE STUDIOS SUITE 1000, 200 CORNELL DRIVE BERKELEY HEIGHTS, NJ 07922 | CIGNA DENTAL HEALTH OF VIRGINIA, INC. | — | $104 | $104 | 4.02% |
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 | 467 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 470 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 290 | $3.8M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 8 | $5K |
| Vision | EYEMED | 294 | $34K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 367 | $137K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 367 | $34K |
| Other(6 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 467 | $281K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 467 | — |
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.