| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GUTMANS INSURANCE BROKERAGE INC3 | 1066 E 2ND ST BROOKLYN, NY 11230 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 8.64% |
| THE D B L CENTER LTD3 Filed as: D B L CENTER, LTD | 155 PINELAWN RD STE 120S MELVILLE, NY 11747 | HARTFORD LIFE AND ACCIDENT | — | $1K | $1K | 5.00% |
| THE DBL CENTER LTD3 | 155 PINELAWN ROAD SUITE 120 SOUTH MELVILLE, NY 11747 | SUN LIFE AND INSURANCE COMPANY | $643 | $322 | $965 | 16.25% |
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 | 1,438 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,441 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 445 | $26K |
| Short-term disability | SUN LIFE AND INSURANCE COMPANY | 720 | $6K |
| Other | HARTFORD LIFE AND ACCIDENT | 445 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 720 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.