| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SAVITZ ORGANIZATION INC3 Filed as: SAVITZ ORGANIZATION INC | 1845 WALNUT ST., STE. 1400 PHILADELPHIA, PA 19103 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | — | $11K | 3.56% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $700 | $11K | 3.41% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | VISION SERVICE PLAN | $805 | — | $805 | 6.97% |
| THE SALITZ ORGANIZATION, INC.3 | 1745 S. WALNUT ST. PHILADELPHIA, PA 19103 | MAGELLAN BEHAVIORAL HEALTH | $615 | — | $615 | 12.00% |
| THE SAVITZ ORGANIZATION INC3 Filed as: THE SAVITZ ORGANIZATION, INC. | 1845 WALNUT ST., 14TH FLOOR PHILADELPHIA, PA 19103 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $220 | — | $220 | 15.00% |
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 | 152 | 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) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 428 | $317K |
| Vision | VISION SERVICE PLAN | 89 | $12K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 428 | $317K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 428 | $317K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 428 | $317K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 428 | $324K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 428 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.