| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SARA GUTTMAN3 | 5520 13TH AVE SUITE 4L BROOKLYN, NY 11219 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $7K | — | $7K | 20.09% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UHP ADMINISTRATORS CONTRACT ADMINISTRATOR | Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | 1662 61ST ST BROOKLYN, NY 11204 | $870K |
| SOLSTICE BENEFITS, INC. CONTRACT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | 7901 SW 6TH CT 400 PLANTATION, FL 33324 | $125K |
| HAMPTON CONSULTING CORPORATION CONSULTANT | Consulting (general) Service code 16 | 113 FLORAL VALE BLVD YARDLEY, PA 19067 | $33K |
| FASTEN HALBERSTAM LLP EIN 47-2319109 PLAN AUDITOR | Accounting (including auditing) Service code 10 | 33 WHITEHALL ST 27TH FLOOR NEW YORK, NY 10004 | $26K |
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 | 3,045 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,045 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 1,299 | $35K |
| Other | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 1,299 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,299 | — |
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.