| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PREMIER CONSULTING PARTNERS LLC3 | 395 NORTH SERVICE ROAD SUITE 206 MELVILLE, NY 11747 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $66K | — | $66K | 22.31% |
| DONALD C SAVOY INC3 | ROUND TABLE STUDIOS SUITE 1000, 200 CORNELL DRIVE BERKELEY HEIGHTS, NJ 07922 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $26K | $26K | 8.92% |
| PREMIER CONSULTING PARTNERS LLC3 Filed as: PREMIER CONSULTING PARTNERS | 395 NORTH SERVICE ROAD SUITE 206 MELVILLE, NY 11747 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | — | $7K | 7.12% |
| DONALD C SAVOY INC3 | ROUND TABLE STUDIOS SUITE 1000, 200 CORNELL DRIVE BERKELEY HEIGHTS, NJ 07922 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $5K | $5K | 4.95% |
| DONALD C SAVOY INC3 | ROUND TABLE STUDIOS SUITE 1000, 200 CORNELL DRIVE BERKELEY HEIGHTS, NJ 07922 | HARTFORD LIFE AND ACCIDENT | $5K | $2K | $7K | 16.82% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARCH & MCLENNAN AGENCY LLC | 1166 AVE OF THE AMERICANS NEW YORK, NY 10036 | HARTFORD LIFE AND ACCIDENT | — | -$1 | -$1 | -0.00% |
| PREMIER CONSULTING PARTNERS LLC3 | 395 NORTH SERVICE ROAD SUITE 206 MELVILLE, NY 11747 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 7.35% |
| DONALD C SAVOY INC3 | ROUND TABLE STUDIOS SUITE 1000, 200 CORNELL DRIVE BERKELEY HEIGHTS, NJ 07922 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 3.67% |
| DONALD C SAVOY INC3 | ROUND TABLE STUDIOS SUITE 1000, 200 CORNELL DRIVE BERKELEY HEIGHTS, NJ 07922 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $3K | $7K | 30.10% |
| PREMIER CONSULTING PARTNERS LLC3 Filed as: PREMIER CONSULTING PARTNERS | 395 NORTH SERVICE ROAD SUITE 206 MELVILLE, NY 11747 | VISION SERVICE PLAN | $928 | — | $928 | 6.18% |
| PREMIER CONSULTING PARTNERS LLC3 Filed as: PREMIER CONSULTING PARTNERS | 395 NORTH SERVICE ROAD SUITE 206 MELVILLE, NY 11747 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $304 | — | $304 | 5.00% |
| DONALD C SAVOY INC3 | ROUND TABLE STUDIOS SUITE 1000, 200 CORNELL DRIVE BERKELEY HEIGHTS, NJ 07922 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $304 | — | $304 | 5.00% |
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 | 132 | 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) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 131 | $296K |
| Dental(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 134 | $122K |
| Vision(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 117 | $38K |
| Life insurance(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 117 | $93K |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 116 | $64K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 64 | $41K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 117 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 134 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.