| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KENNETH R HUTCHINGS3 | 2149 MASTERS ROAD MARCELLUS, NY 13108 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| THE DBL CENTER LTD3 | 555 BROADHOLLOW RAD SUITE 271 MELVILLE, NY 11747 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $875 | $3K | 6.91% |
| KENNETH R HUTCHINGS3 | 2149 MASTERS ROAD MARCELLUS, NY 13108 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $314 | — | $314 | 10.99% |
| THE DBL CENTER LTD3 | 555 BROADHOLLOW ROAD SUITE 271 MELVILLE, NY 11747 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $143 | $46 | $189 | 6.62% |
| KENNETH R HUTCHINGS3 | 2149 MASTERS RD MARCELLUS, NY 13108 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $221 | — | $221 | 9.99% |
| THE DBL CENTER LTD3 | 555 BROADHOLLOW ROAD SUITE 271 MELVILLE, NY 11747 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $111 | $43 | $154 | 6.96% |
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 | 380 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 380 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 380 | $49K |
| Other | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 380 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 380 | — |
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.