| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JN SAVASTA CORP3 Filed as: JN SAVASTA | 1350 BROADWAY, STE 410 NEW YORK, NY 10018 | CIGNA HEALTH & LIFE INSURANCE CO | — | $184K | $184K | 5.06% |
| DONALD C SAVOY INC3 | ROUND TABLE STUDIOS SUITE 1000, 200 CORNELL DRIVE BERKELEY HEIGHTS, NJ 07922 | CIGNA HEALTH & LIFE INSURANCE CO | — | $74K | $74K | 2.02% |
| JN SAVASTA CORP3 Filed as: JN SAVASTA | 1350 BROADWAY, STE 410 NEW YORK, NY 10018 | CIGNA HEALTH & LIFE INSURANCE CO. | $25K | — | $25K | 9.96% |
| DONALD C SAVOY INC3 Filed as: DONALD C SAVOY | ROUND TABLE STUDIOS SUITE 1000, 200 CORNELL DRIVE BERKELEY HEIGHTS, NJ 07922 | CIGNA HEALTH & LIFE INSURANCE CO. | — | $13K | $13K | 4.98% |
| JN SAVASTA CORP3 | 1350 BROADWAY, STE 410 NEW YORK, NY 10018 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 9.38% |
| JN SAVASTA CORP3 Filed as: JN SAVASTA CORP. | 1350 BROADWAY, SUITE 410 NEW YORK, NY 10018 | GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 4.36% |
| JN SAVASTA CORP3 Filed as: JN SAVASTA CORP. | 1350 BROADWAY STE 410 NEW YORK, NY 10018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 10.44% |
| BENEFIT CONSULTING INSURANCE AGENCY3 | 5723 HAMILTON WAY BOCA RATON, FL 33496 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $913 | $927 | $2K | 5.00% |
| JN SAVASTA CORP3 Filed as: JN SAVASTA CORP. | 1350 BROADWAY SUITE 410 NEW YORK, NY 10018 | CIGNA DENTAL HEALTH OF MARYLAND, INC. | $130 | — | $130 | 9.96% |
| DONALD C SAVOY INC3 | ROUND TABLE STUDIOS SUITE 1000, 200 CORNELL DRIVE BERKELEY HEIGHTS, NJ 07922 | CIGNA DENTAL HEALTH OF MARYLAND, INC. | — | $65 | $65 | 4.98% |
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 | 145 | 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) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH & LIFE INSURANCE CO | 141 | $3.6M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH & LIFE INSURANCE CO. | 145 | $255K |
| Vision | CIGNA HEALTH & LIFE INSURANCE CO. | 145 | $254K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 145 | $65K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY | 141 | $56K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 135 | $37K |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 145 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 145 | — |
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.