| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS SCOTTO CONSULTING LLC3 Filed as: THOMAS SCOTT CONSULTING | 3948 AMBOY ROAD STATEN ISLAND, NY 10308 | AMALGAMATED LIFE | $3K | — | $3K | 10.00% |
| THE GARVIN GROUP LTD3 Filed as: GARVIN GROUP LTD | 6 CRICKLEWOOD LANE NORWALK, CT 06851 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $6K | $6K | 28.97% |
| ASCELA PARTNERS LLC3 Filed as: ASCELA PARTNERS | 200 CONTINENTAL DRIVE NEWARK, DE 19713 | THE PAUL REVERE LIFE INSURANCE COMPNAY | $190 | — | $190 | 4.83% |
| DAVID UMBRIA3 | 18 CINDY STREET OLD BRIDGE, NJ 08857 | THE PAUL REVERE LIFE INSURANCE COMPNAY | $50 | — | $50 | 1.27% |
| COLIN KELLY GARVIN3 | 160 WHEELER ROAD MONROE, CT 06468 | THE PAUL REVERE LIFE INSURANCE COMPNAY | $32 | — | $32 | 0.81% |
| RYAN GARVIN3 | 50 MAIN STREET WHITE PLAINS, NY 10606 | THE PAUL REVERE LIFE INSURANCE COMPNAY | $19 | — | $19 | 0.48% |
| KIMANI MATTHEW3 | 153 SOUTH 11TH AVE MT VERNON, NY 10550 | THE PAUL REVERE LIFE INSURANCE COMPNAY | $9 | — | $9 | 0.23% |
| ABRAHAM OYEWO3 | 1039 EAST 227 STREET BRONX, NY 10466 | THE PAUL REVERE LIFE INSURANCE COMPNAY | $9 | — | $9 | 0.23% |
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 | 1,350 | 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) | 1,350 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 3 carriers) | AMALGAMATED LIFE | 1,450 | $57K |
| Other(3 contracts, 3 carriers) | AMALGAMATED LIFE | 1,450 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,450 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.