| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GFI INSURANCE BROKERAGE3 Filed as: GFI INSURANCE BROKERAGE INC. | 140 BROADWAY, 41ST FL NEW YORK, NY 10004 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $92K | — | $92K | 11.89% |
| DAVID SOLOMONS3 Filed as: DAVID M. SOLOMONS-MAX TOTAL BEN SOL | 14 WALL STREET - 20TH FL NEW YORK, NY 10005 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $62K | — | $62K | 8.01% |
| DAVID C SAVOY INC3 | 25B HANOVER ROAD - SUITE 220 FLORHAM PARK, NJ 07932 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $51K | $51K | 6.61% |
| GFI INSURANCE BROKERAGE3 Filed as: GFI INSURANCE BROKERAGE INC. | 140 BROADWAY, 41ST FL NEW YORK, NY 10004 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $14K | — | $14K | 5.80% |
| 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 | — | $9K | $9K | 3.67% |
| DAVID SOLOMONS3 | 14 WALL STREET - 20TH FL NEW YORK, NY 10005 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $1K | — | $1K | 0.60% |
| DAVID SOLOMONS3 Filed as: DAVID SOLOMONS - MAX TOTAL BEN SOL | 14 WALL STREET - 20TH FL NEW YORK, NY 10005 | FIRST UNUM LIFE INSURANCE COMPANY | $11K | — | $11K | 6.96% |
| DAVID SOLOMONS3 Filed as: DAVID M SOLOMONS-MAX TOTAL BENEFITS | 14 WALL STREET - 20TH FL NEW YORK, NY 10005 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | — | $2K | 14.68% |
| DAVID SOLOMONS3 Filed as: DAVID SOLOMONS, MAX TOTAL BENEFIT | 14 WALL STREET-20TH FL NEW YORK, NY 10005 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | — | $2K | 14.22% |
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 | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 233 | $776K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 142 | $244K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 142 | $244K |
| Life insurance(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 61 | $167K |
| Short-term disability(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 61 | $164K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 61 | $153K |
| Other(3 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 61 | $179K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 233 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.