| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GUTMANS INSURANCE BROKERAGE INC3 Filed as: GUTMANS INS BROKERAGE INC | 1066 E 2ND STREET BROOKLYN, NY 11230 | SUN LIFE AND HEALTH INSURANCE COMPANY | $138K | $35K | $173K | 13.20% |
| YEHUDA GUTMAN3 | 1066 E 2ND ST BROOKLYN, NY 11230 | DELTA DENTAL OF NEW JERSEY, INC | $89K | — | $89K | 8.91% |
| PATTEN, BRIAN WILLIAM3 | 120 MARGUERITE DR STE 101 CRANBERRY TWP, PA 16066 | SUNLIFE AND HEALTH INS COMPANY | $27K | — | $27K | 14.67% |
| YEHUDA GUTMAN3 | 1066 EAST 2ND STREET BROOKLYN, NY 11230 | DELTA DENTAL OF CONNECTICUT, INC | $12K | — | $12K | 8.50% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGCY AN ALERA GRP | 155 PINELAWD RDSTE 120 S MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY CO OF NY | $5K | $5K | $10K | 13.94% |
| NATL BENEFIT CTR3 | 23825 COMMERCE PARK STE A BEACHWOOD, OH 44122 | LINCOLN LIFE & ANNUITY CO OF NY | — | $242 | $242 | 0.33% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGENCY, AN ALERA GRP | 155 PINELAWN RD STE 120 S MELVILLE, NY 11474 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | $1K | $3K | 17.54% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK STE A BEACHWOOD, OH 44122 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $69 | $69 | 0.36% |
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 | 2,293 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,293 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW JERSEY, INC | 3,630 | $993K |
| Vision | DELTA DENTAL OF CONNECTICUT, INC | 3,307 | $138K |
| Life insurance(2 contracts, 2 carriers) | SUNLIFE AND HEALTH INS COMPANY | 794 | $204K |
| Long-term disability(2 contracts, 2 carriers) | SUNLIFE AND HEALTH INS COMPANY | 794 | $258K |
| Stop-loss / reinsurancereinsurance | SUN LIFE AND HEALTH INSURANCE COMPANY | 2,101 | $1.3M |
| Other(2 contracts, 2 carriers) | SUNLIFE AND HEALTH INS COMPANY | 794 | $204K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,630 | — |
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.