| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN METRO, LLC | 56 LIVINGSTON AVENUE, SUITE 230 ROSELAND, NJ 07068 | UNITEDHEALTHCARE INSURANCE COMPANY | $97K | $0 | $97K | 5.02% |
| DONALD C SAVOY INC3 Filed as: DONALD C. SAVOY, INC. | 200 CONNELL DRIVE, SUITE 1000 BERKELEY HEIGHTS, NJ 07922 | UNITEDHEALTHCARE INSURANCE COMPANY | $15K | $3K | $17K | 0.89% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: RISK PLACEMENT SERVICES, INC. | 200 CONNELL DRIVE, SUITE 1000 BERKELEY HEIGHTS, NJ 21994 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $0 | $6K | 0.33% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN METRO, INC. | 56 LIVINGSTON AVENUE ROSELAND, NJ 07068 | DELTA DENTAL OF NEW JERSEY, INC. | $1K | — | $1K | 5.81% |
| DONALD C SAVOY INC3 Filed as: DONALD C. SAVOY, INC. | 200 CONNELL DRIVE, SUITE 1000 BERKELEY HEIGHTS, NJ 07922 | DELTA DENTAL OF NEW JERSEY, INC. | $1K | $0 | $1K | 5.00% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SERVICES, INC. | 56 LIVINGSTON AVENUE ROSELAND, NJ 07068 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 11.91% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: RISK PLACEMENT SERVICES, INC. | 200 CONNELL DRIVE BERKELEY HEIGHTS, NJ 07922 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $791 | $791 | 3.63% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS AGNCY OF VA, INC. | 11220 ASSET LOOP, SUITE 304 MANASSAS, VA 20109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $351 | $351 | 1.61% |
| SAVOY ASSOCIATES3 | 25B HANOVER ROAD, SUITE 220 FLORHAM PARK, NJ 07932 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $15 | $15 | 0.07% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN METRO, LLC | PO BOX 746538 ATLANTA, GA 30374 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.77% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SERVICES, INC. | 11220 ASSETT LOOP, SUITE 304 MANASSAS, VA 20109 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $328 | $328 | 2.21% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN METRO, INC. | 56 LIVINGSTON AVENUE ROSELAND, NJ 07068 | DELTA DENTAL OF CONNECTICUT, INC. | $145 | $0 | $145 | 5.81% |
| DONALD C SAVOY INC3 Filed as: DONALD C. SAVOY, INC. | 200 CONNELL DRIVE, SUITE 1000 BERKELEY HEIGHTS, NJ 07922 | DELTA DENTAL OF CONNECTICUT, INC. | $125 | $0 | $125 | 5.01% |
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 | 120 | 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) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 321 | $1.9M |
| Dental(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 321 | $2.0M |
| Vision(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 321 | $1.9M |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 199 | $37K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 167 | $22K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 167 | $22K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 321 | $1.9M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 199 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 321 | — |
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.