| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GUTMAN'S INS BROKERAGE INC3 Filed as: GUTMAN, YEHUDA L | 1066 E 2ND ST BROOKLYN, NY 11230 | SUN LIFE ASSURANCE COMPANY OF CANADA | $67K | — | $67K | — |
| GUTMAN'S INS BROKERAGE INC3 | 1066 E 2ND ST BROOKLYN, NY 11230 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $9K | $9K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AMERICAN PLAN ADMINISTRATORS LLC EIN 20-0701442 CLAIMS PROCESSOR | Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | 14 HEYWARD STREET BROOKLYN, NY 11219 | $346K |
| ROTH AND COMPANY, LLP EIN 11-3360065 AUDITOR | Accounting (including auditing) Service code 10 | 1428 36TH STREET SUITE 200 BROOKLYN, NY 11218 | $18K |
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 | 564 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 564 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 564 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 564 | — |
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."
No prospect flags tripped on this filing.