| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GUTMANS INSURANCE BROKERAGE INC Filed as: GUTMANS INS BROKERAGE | 1066 E 2ND ST BROOKLYN, NY 11230 | SUNLIFE | $20K | — | $20K | 9.81% |
| THE DBL CENTER LTD Filed as: DBL CENTER LTD | 555 BROADHOLLOW RD STE 271 MELVILLE, NY 117475001 | METROPOLITAN LIFE INSURANCE | $3K | — | $3K | 4.20% |
| GUTMANS INSURANCE BROKERAGE INC Filed as: GUTMANS INSURANCE BROKERAGE | 1066 E 2ND STREET BROOKLYN, NY 112303342 | METROPOLITAN LIFE INSURANCE | $3K | — | $3K | 4.18% |
| COMBINED DBL RESOURCES LTD Filed as: COMBINED DBL RESOURCES | 365 WILLIS AVE MINEOLA, NY 115011849 | METROPOLITAN LIFE INSURANCE | -$91 | — | -$91 | -0.13% |
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 | 294 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 294 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE | 294 | $72K |
| Stop-loss / reinsurancereinsurance | SUNLIFE | 136 | $202K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 294 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.