| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVID ROTH3 | 1415 EAST 34TH STREET BROOKLYN, NY 11210 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | — | $12K | 6.14% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES | 2 ENTERPRISE DR STE 204 SHELTON, CT 06484 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 4.27% |
| DAVID ROTH3 | 1415 34TH STREET BROOKLYN, NY 11210 | METROPOLITAN LIFE INSURANCE COMPANY | $599 | — | $599 | 10.04% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES | 2 ENTERPRISE DR STE 204 SHELTON, CT 06484 | METROPOLITAN LIFE INSURANCE COMPANY | $300 | — | $300 | 5.03% |
| DAVID ROTH3 | 1415 E 34TH STREET BROOKLYN, NY 11210 | METROPOLITAN LIFE INSURANCE | $761 | — | $761 | 14.41% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES L | 2 ENTERPRISE DR STE 204 SHELTON, CT 06484 | METROPOLITAN LIFE INSURANCE | $304 | — | $304 | 5.76% |
| DAVID ROTH3 | 1415 EAST 34TH STREET BROOKLYN, NY 11210 | METROPOLITAN LIFE INSURANCE COMPANY | $866 | — | $866 | 17.23% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES L | 2 ENTERPRIDE DR STE 204 SHELTON, CT 06484 | METROPOLITAN LIFE INSURANCE COMPANY | $288 | — | $288 | 5.73% |
| DAVID ROTH3 | 1415 EAST 34TH STREET BROOKLYN, NY 11210 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $148 | — | $148 | 8.46% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SVCS LLC | 2 ENTERPRISE DR STE 204 SHELTON, CT 06484 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $74 | — | $74 | 4.23% |
| DAVID ROTH3 | 1415 EAST 34TH STREET BROOKLYN, NY 11210 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | $61 | — | $61 | 12.92% |
| AMWINS Filed as: AMWINS CONNECT INSURANCE | 2 ENTERPRISE DR STE 204 SHELTON, CT 06484 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | $20 | — | $20 | 4.24% |
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 | 277 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 277 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 43 | $16K |
| Dental(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 277 | $202K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 277 | $200K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 277 | $200K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 277 | $200K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 277 | $200K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 277 | $200K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 277 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.