| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RAMPART BENEFIT PLANNING INC3 | 1983 MARCUS AVENUE SUITE C130 LAKE SUCCESS, NY 11042 | SOLSTICE HEALTH INSURANCE COMPANY | $13K | — | $13K | 10.00% |
| THE DBL CENTER LTD3 | 155 PINELAWN ROAD SUITE 120 SOUTH MELVILLE, NY 11747 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $741 | $109 | $850 | 5.74% |
| GUTMANS INSURANCE BROKERAGE INC3 | 1066 EAST 2ND STREET ROOM 101 BROOKLYN, NY 11230 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $741 | — | $741 | 5.00% |
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 | 121 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SOLSTICE HEALTH INSURANCE COMPANY | 403 | $126K |
| Life insurance | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 189 | $15K |
| Stop-loss / reinsurancereinsurance | BERKSHIRE HATHAWAY SPECIALTY INSURANCE | 134 | $299K |
| Other | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 189 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 403 | — |
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."
No prospect flags tripped on this filing.