| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DONALD C SAVOY INC3 Filed as: DONALD C. SAVOY, INC. | 200 CORNELL DR STE 1000 BERKELEY HEIGHTS, NJ 07922 | HARTFORD LIFE AND ACCIDENT | $13K | $19K | $32K | 6.05% |
| ALLIANT INSURANCE SERVICES, INC.3 | 101 PARK AVE 14TH FL NEW YORK, NY 10178 | HARTFORD LIFE AND ACCIDENT | $684 | — | $684 | 0.13% |
| DONALD C SAVOY INC3 Filed as: DONALD C. SAVOY, INC. | 200 CONNELL DR STE 1000 BERKELEY HEIGHTS, NJ 079222823 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $851 | $8K | 1.73% |
| ALLIANT INSURANCE SERVICES, INC.3 | 2185 N CALIFORNIA BLVD STE 400 WALNUT CREEK, CA 945967347 | UNITEDHEALTHCARE INSURANCE COMPANY | $665 | — | $665 | 1.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 2185 N CALIFORNIA BLVD. STE 400 WALNUT CREEK, CA 94596 | UNITED HEALTHCARE INSURANCE COMPANY | $998 | — | $998 | 2.75% |
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 | 721 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 733 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 8 | $103K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,749 | $468K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,749 | $468K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 702 | $533K |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,749 | $996K |
| Long-term disability(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 1,749 | $1.0M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 702 | $533K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,749 | — |
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.