| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JEFF KENDALL ZOLLER3 | 19 CAMPION RD NEW HARTFORD, NY 13413 | NORTHWESTERN MUTUAL | $2K | $552 | $3K | 2.23% |
| DANIEL B JONES3 | 19 CAMPION RD NEW HARTFORD, NY 13413 | NORTHWESTERN MUTUAL | $2K | $441 | $2K | 1.77% |
| HOLLY ZOLLER GIGLIOTTI3 | 19 CAMPION RD NEW HARTFORD, NY 13413 | NORTHWESTERN MUTUAL | $1K | $276 | $1K | 1.12% |
| RP DODD GROUP INC3 Filed as: R P DODD GROUP INC | 34 ASPEN PARK BLVD E SYRACUSE, NY 13057 | NORTHWESTERN MUTUAL | $795 | $70 | $865 | 0.66% |
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 | 708 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 727 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Long-term disability | NORTHWESTERN MUTUAL | 727 | $132K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 727 | — |
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.