| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVID SOLOMONS3 | 14 WALL STREET - 20TH FL NEW YORK, NY 10005 | OXFORD HEALTH INSURANCE INC. | $61K | — | $61K | 4.26% |
| SAVOY ASSOCIATES3 Filed as: DONALD SAVOY INC. | 25B HANOVER ROAD-SUITE 220 FLORHAM PARK, NJ 07932 | OXFORD HEALTH INSURANCE INC. | — | $15K | $15K | 1.06% |
| DAVID SOLOMONS3 Filed as: DAVID M. SOLOMONS | 14 WALL STREET - 20TH FL NEW YORK, NY 10005 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $39K | — | $39K | 16.69% |
| DAVID C SAVOY INC3 | 25B HANOVER ROAD - SUITE 220 FLORHAM PARK, NJ 07932 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $13K | $13K | 5.54% |
| MAX TOTAL BENEFIT SOLUTIONS, INC.3 | 14 WALL STREET - 20TH FL NEW YORK, NY 10005 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | — | $6K | 4.05% |
| DAVID SOLOMONS3 Filed as: DAVID SOLOMONS, MAX TOTAL BENEFIT | 14 WALL STREET-20TH FL NEW YORK, NY 10005 | FIRST UNUM LIFE INSURANCE COMPANY | $9K | — | $9K | 7.87% |
| DAVID SOLOMONS3 | 14 WALL STREET - 20TH FL NEW YORK, NY 10005 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $6K | — | $6K | 6.96% |
| DONALD C SAVOY INC3 Filed as: DONALD C. SAVOY, INC. | 25B HANOVER ROAD - SUITE 220 FLORHAM PARK, NJ 07932 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $3K | $3K | 3.66% |
| DAVID SOLOMONS3 | 14 WALL STREET - 20TH FL NEW YORK, NY 10005 | VISION SERVICE PLAN | $842 | — | $842 | 6.69% |
| DAVID SOLOMONS3 Filed as: DAVID SOLOMONS - MAX TOTAL BEN SOL | 14 WALL STREET, 20TH FL NEW YORK, NY 10005 | UNUM LIFE INSURANCE COMPANY | $2K | — | $2K | 13.83% |
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 | 121 | 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) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | OXFORD HEALTH INSURANCE INC. | 304 | $1.7M |
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 298 | $234K |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 121 | $92K |
| Life insurance(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 117 | $132K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 117 | $120K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 117 | $120K |
| Other(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 117 | $132K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 304 | — |
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.