| 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 | $36K | $8K | $44K | 12.82% |
| DONALD C SAVOY INC3 Filed as: DONALD C. SAVOY | ASSOCIATES 25B HANOVER ROAD FLORHAM PARK, NJ 07932 | INDEPENDENCE BLUE CROSS | $7K | $1K | $8K | 16.39% |
| JS BENEFITS GROUP INC3 | 7 WINDY KNOLL DR RICHBORO, PA 189541408 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 4.99% |
| DONALD C SAVOY INC3 Filed as: DONALD C. SAVOY INC | 25B HANOVER RD STE 220 FLORHAM PARK, NJ 07932 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | $310 | $2K | 4.99% |
| JS BENEFITS GROUP INC3 Filed as: JS BENEFITS GROUP INC. | 54 FRIENDS LN STE 121 NEWTOWN, PA 189403403 | METROPOLITAN LIFE INSURANCE COMPANY | $508 | — | $508 | 10.32% |
| DONALD C SAVOY INC3 | 25 HANOVER RD #B STE 220 FLORHAM PARK, NJ 079321424 | METROPOLITAN LIFE INSURANCE COMPANY | $191 | $93 | $284 | 5.77% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM A GRAHAM CO | THE GRAHAM COMPANY MAIL CODE 7933, PO BOX 7247 PHILADELPHIA, PA 191707933 | METROPOLITAN LIFE INSURANCE COMPANY | $209 | — | $209 | 4.24% |
| DONALD C SAVOY INC3 Filed as: DONALD C. SAVOY, INC. | 25B HANOVER RD STE 220 FLORHAM, NJ 079321443 | VISION SERVICE PLAN | $377 | — | $377 | 10.00% |
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 | 220 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 221 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | INDEPENDENCE BLUE CROSS | 114 | $393K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 79 | $31K |
| Vision | VISION SERVICE PLAN | 44 | $4K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 179 | $5K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 179 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 179 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.