| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KENNETH R HUTCHINGS3 | 2149 MASTERS RD MARCELLUS, NY 13108 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 9.12% |
| THE DBL CENTER LTD3 | 155 PINELAWN ROAD SUITE 120 SOUTH MELVILLE, NY 11747 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $1K | $4K | 7.99% |
| EBA SERVICES, LLC3 | 2149 MASTERS ROAD MARCELLUS, NY 13108 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $399 | — | $399 | 0.88% |
| KENNETH R HUTCHINGS3 | 2149 MASTERS ROAD MARCELLUS, NY 13108 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $853 | — | $853 | 10.14% |
| THE DBL CENTER LTD3 | 155 PINELAWN ROAD SUITE 120 SOUTH MELVILLE, NY 11747 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $421 | $170 | $591 | 7.03% |
| EBA SERVICES, LLC3 | 2149 MASTERS ROAD MARCELLUS, NY 13108 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $72 | — | $72 | 0.86% |
| KENNETH R HUTCHINGS3 | 2149 MASTERS ROAD MARCELLUS, NY 13108 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $214 | — | $214 | 9.27% |
| THE DBL CENTER LTD3 | 155 PINELAWN ROAD SUITE 120 SOUTH MELVILLE, NY 11747 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $115 | $67 | $182 | 7.88% |
| EBA SERVICES, LLC3 | 2149 MASTERS ROAD MARCELLUS, NY 13108 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $17 | — | $17 | 0.74% |
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 | 354 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 354 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 367 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 367 | — |
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.