| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAVOY ASSOCIATES3 | 25B HANOVER RD STE 220 FLORHAM PARK, NJ 07932 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $2K | $9K | 5.74% |
| COURY HEALTH SERVICES LLC3 | 965 GREENTREE ROAD SUITE 310 PITTSBURGH, PA 15220 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 4.27% |
| PREMIER CONSULTING PARTNERS LLC3 Filed as: PREMIER CONSULTING PARTNERS | 1000 WOODBURY RD STE 300 WOODBURY, NY 11797 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 4.09% |
| SAVOY ASSOCIATES3 | 25B HANOVER RD STE 220 FLORHAM PARK, NJ 07932 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $1K | $6K | 6.56% |
| COURY HEALTH SERVICES LLC3 | 965 GREENTREE ROAD SUITE 310 PITTSBURGH, PA 15220 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 5.62% |
| PREMIER CONSULTING PARTNERS LLC3 Filed as: PREMIER CONSULTING PARTNERS | 1000 WOODBURY RD STE 300 WOODBURY, NY 11797 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 4.25% |
| SAVOY ASSOCIATES3 | 25B HANOVER RD STE 220 FLORHAM PARK, NJ 07932 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $925 | $5K | 6.58% |
| COURY HEALTH SERVICES LLC3 | 965 GREENTREE ROAD SUITE 310 PITTSBURGH, PA 15220 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 5.81% |
| PREMIER CONSULTING PARTNERS LLC3 Filed as: PREMIER CONSULTING PARTNERS | 1000 WOODBURY RD STE 300 WOODBURY, NY 11797 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 4.16% |
| PREMIER CONSULTING PARTNERS LLC3 | 395 NORTH SERVICE ROAD SUITE 206 MELVILLE, NY 11747 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | — | $1K | 6.50% |
| COURY HEALTH SERVICES LLC3 | 965 GREENTREE ROAD SUITE 310 PITTSBURGH, PA 15220 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | — | $1K | 5.03% |
| PREMIER CONSULTING PARTNERS LLC3 | 395 NORTH SERVICE ROAD SUITE 206 MELVILLE, NY 11747 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | — | $1K | 6.38% |
| COURY HEALTH SERVICES LLC3 | 965 GREENTREE ROAD SUITE 310 PITTSBURGH, PA 15220 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $846 | — | $846 | 5.00% |
| PREMIER CONSULTING PARTNERS LLC3 | 395 NORTH SERVICE ROAD SUITE 206 MELVILLE, NY 11747 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | — | $1K | 7.59% |
| COURY HEALTH SERVICES LLC3 | 965 GREENTREE ROAD SUITE 310 PITTSBURGH, PA 15220 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $889 | — | $889 | 5.93% |
| SAVOY ASSOCIATES3 | 25B HANOVER RD STE 220 FLORHAM PARK, NJ 07932 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $401 | $99 | $500 | 5.74% |
| COURY HEALTH SERVICES LLC3 | 965 GREENTREE ROAD SUITE 310 PITTSBURGH, PA 15220 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $369 | — | $369 | 4.24% |
| PREMIER CONSULTING PARTNERS LLC3 Filed as: PREMIER CONSULTING PARTNERS | 1000 WOODBURY RD STE 300 WOODBURY, NY 11797 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $358 | — | $358 | 4.11% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 162 | $52K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 573 | $79K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 508 | $153K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 129 | $93K |
| Other(6 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 573 | $233K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 573 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.