| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GARY WOOD ASSOCIATES, INC.3 | 825 THIRD AVENUE, 2ND FLOOR NEW YORK, NY 10022 | METLIFE | $7K | $0 | $7K | 9.96% |
| THE DBL CENTER LTD3 Filed as: DBL CENTER LTD | 555 BROADHOLLOW RD. STE 271 MELVILLE, NY 117475001 | METLIFE | $3K | $0 | $3K | 4.98% |
| THE DBL CENTER LTD3 | 555 BROADHOLLOW RD. STE 271 MELVILLE, NY 11747 | SUN LIFE AND HEALTH INSURANCE COMPANY | $6K | $0 | $6K | 9.02% |
| GARY WOOD ASSOCIATES, INC.3 | 825 3RD AVE. MEW YORK, NY 10022 | SUN LIFE AND HEALTH INSURANCE COMPANY | $6K | $0 | $6K | 8.64% |
| GARY WOOD ASSOCIATES, INC.3 | 825 THIRD AVENUE, 2ND FLOOR NEW YORK, NY 10022 | VISION SERVICE PLAN | $2K | $0 | $2K | 10.00% |
| GARY WOOD ASSOCIATES, INC.3 | 825 3RD AVE. FL 2 NEW YORK, NY 100229527 | VISION SERVICE PLAN | $135 | $0 | $135 | 10.03% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CHOICE STRATEGIES NONE | Contract Administrator; Claims processing Service code 12 | PO BOX 2205 SOUTH BURLINGTON, VT 05407 | $9K |
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 | 132 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METLIFE | 252 | $66K |
| Vision(2 contracts) | VISION SERVICE PLAN | 75 | $18K |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY | 132 | $64K |
| Short-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY | 132 | $64K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY | 132 | $64K |
| Other | SUN LIFE AND HEALTH INSURANCE COMPANY | 132 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 252 | — |
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.