| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RMTS5 Filed as: RMTS ASSOCIATES, LLC | 6 HARRISON STREET NEW YORK, NY 10013 | NEW YORK LIFE INSURANCE COMPANY | $3K | $3K | $5K | 9.30% |
| EMERSON REID LLC5 | 1787 SENTRY PKWY W VEVA 16, STE 320 BLUE BELL, PA 19422 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 13.23% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MSPC CERTIFIED PUBLIC ACCOUNTANTS EIN 22-2951202 NONE | Accounting (including auditing) Service code 10 | — | $72K |
| TARYN B KRIN EIN 22-3611027 EMPLOYEE | Employee (plan) Service code 30 | — | $71K |
| SHERRI L BOWE EIN 22-3611027 EMPLOYEE | Employee (plan) Service code 30 | — | $71K |
| ADVANTAGE PAYROLL SERVICES NONE | Other services Service code 49 | P.O. BOX 1330 AUBURN, ME 042111130 | $12K |
| GIMBEL ASSOCIATES NONE | Consulting fees Service code 70 | 21 LIGHTHOUSE ROAD 598 HITLON HEAD ISLAND, SC 29928 | $6K |
| PFM ADVISORS EIN 22-2393763 NONE | Investment advisory (plan) Service code 27 | — | $6K |
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 | 906 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 906 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | NEW YORK LIFE INSURANCE COMPANY | 973 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 973 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.