| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SETH JASON KALKSTEIN3 | 29 S MAIN ST STE 201 WEST HARTFORD, CT 06107 | NORTHWESTERN MUTUAL | $2K | $465 | $2K | 3.75% |
| PAUL GLOBAL BENEFITS INC3 Filed as: E PAUL AMATA | 29S MAIN STT STE 201 WEST HARTFORD, CT 06107 | NORTHWESTERN MUTUAL | $2K | $465 | $2K | 3.75% |
| ARTHUR GERSHENBAUM3 | 29 S MAIN ST STE 201 WEST HARTFORD, CT 06107 | NORTHWESTERN MUTUAL | $923 | $233 | $1K | 1.88% |
| PIZZUTI GROUP LLC3 | 29 SMAIN ST STE 201 WEST HARTFORD, CT 06107 | NORTHWESTERN MUTUAL | $745 | $89 | $834 | 1.35% |
| STRIANO FNCL GRP LLC3 | STE 208 1515 S FEDERAL HWY BOCA RATON, FL 33432 | NORTHWESTERN MUTUAL | $178 | $43 | $221 | 0.36% |
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 | 114 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Long-term disability | NORTHWESTERN MUTUAL | 114 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 114 | — |
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.