| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NPPG EMPLOYEE BENEFITS LLC3 | 494 SYCAMORE AVENUE SHREWSBURY, NJ 07702 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $13K | — | $13K | 6.95% |
| NPPG EMPLOYEE BENEFITS LLC3 | 121 MONMOUTH ST RED BANK, NJ 07701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 5.26% |
| SAVOY ASSOCIATES3 Filed as: DONALD SAVOY INC | 200 CONNELL DR STE 1000 BERKELEY HEIGHTS, NJ 07922 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 5.00% |
| NPPG EMPLOYEE BENEFITS LLC3 | 121 MONMOUTH ST RED BANK, NJ 07701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 9.30% |
| DONALD C SAVOY INC3 | 200 CONNELL DR STE 1000 BERKELEY HEIGHTS, NJ 07922 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| NPPG EMPLOYEE BENEFITS LLC3 | 494 SYCAMORE AVE SHREWSBURY, NJ 07702 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 8.69% |
| DONALD C SAVOY INC3 | 25B HANOVER RD STE 220 FLORHAM PARK, NJ 07932 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| NPPG EMPLOYEE BENEFITS LLC3 | 494 SYCAMORE AVE SHREWSBURY, NJ 07702 | VISION SERVICE PLAN | $1K | — | $1K | 5.27% |
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 | 176 | 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) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 224 | $194K |
| Vision | VISION SERVICE PLAN | 162 | $22K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 178 | $57K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 176 | $27K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 178 | $47K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 178 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 224 | — |
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.