| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAVOY ASSOCIATES3 | 25B HANOVER ROAD FLORHAM PARK, NH 07932 | HORIZON HEALTHCARE SERVICES, INC. | $44K | $13K | $57K | 4.42% |
| SAVOY ASSOCIATES3 Filed as: SAVOY ASSOCIATES, INC. | 25B HANOVER RD, SUITE 220 FLORHAM PARK, NC 07932 | DELTA DENTAL OF NEW JERSEY, INC. | $4K | — | $4K | 4.32% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $2K | $12K | 37.65% |
| NPPG EMPLOYEE BENEFITS LLC3 | 121 MONMOUTH ST RED BANK, NJ 07701 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 20.14% |
| GEGA CONSULTING GROUP LLC3 | 1146 BRADFORD DR POINT PLEASANT BEACH, NJ 087422314 | METROPOLITAN LIFE INSURANCE COMPANY | -$10 | — | -$10 | -0.03% |
| SAVOY ASSOCIATES3 | 25B HANOVER RD FLORHAM PARK, NJ 07932 | HORIZON HEALTHCARE SERVICES, INC. | $2K | — | $2K | 9.96% |
| NPPG EMPLOYEE BENEFITS LLC3 | 121 MONMOUTH ST RED BANK, NJ 07701 | METROPOLITAN LIFE INSURANCE COMPANY | $155 | — | $155 | 9.01% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $80 | $16 | $96 | 5.58% |
| NPPG EMPLOYEE BENEFITS LLC3 | 121 MONMOUTH ST RED BANK, NJ 07701 | METROPOLITAN LIFE INSURANCE COMPANY | $247 | — | $247 | 18.66% |
| GEGA CONSULTING GROUP LLC3 | 1146 BRADFORD DR POINT PLEASANT BEACH, NJ 087422314 | METROPOLITAN LIFE INSURANCE COMPANY | $117 | — | $117 | 8.84% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $61 | $12 | $73 | 5.51% |
| NPPG EMPLOYEE BENEFITS LLC3 | 121 MONMOUTH ST RED BANK, NJ 07701 | METROPOLITAN LIFE INSURANCE COMPANY | $50 | — | $50 | 9.33% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $25 | $5 | $30 | 5.60% |
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 | 186 | 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) | 189 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 126 | $1.3M |
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 222 | $95K |
| Vision | HORIZON HEALTHCARE SERVICES, INC. | 101 | $15K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 186 | $31K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 186 | $31K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 186 | $31K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 126 | $1.3M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 186 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 222 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.