| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NPPG EMPLOYEE BENEFITS LLC3 Filed as: NPPG EMPLOYEE BENEFITS, LLC | 494 SYCAMORE AVENUE SHREWSBURY, NJ 07702 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $24K | $127K | $151K | 4.42% |
| DONALD C SAVOY INC3 | ROUND TABLE STUDIOS 200 CONNELL DR#1000 BERKELEY HEIGHTS, NJ 07922 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $44K | $44K | 1.29% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: RISK PLACEMENT SERVICES, INC | ROUND TABLE STUDIOS 200 CONNELL DRIVE BERKELEY HEIGHTS, NJ 07922 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $31K | $31K | 0.92% |
| NPPG EMPLOYEE BENEFITS LLC3 | 494 SYCAMORE AVE STE 100 SHREWSBURY, NJ 077024217 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $0 | $8K | 5.48% |
| DONALD C SAVOY INC3 | 200 CONNELL DR STE 1000 BERKELEY HEIGHTS, NJ 079222823 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $4K | $6K | 4.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: RISK PLACEMENT SERVICES INC | 200 CONNELL DR STE 1000 BERKELEY HEIGHTS, NJ 079222823 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.49% |
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 | 138 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 248 | $3.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 248 | $3.4M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 248 | $3.4M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 306 | $148K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 306 | $148K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 306 | $148K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 306 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.