| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE INS PARTNERS SERVICES | OF NY LLC 90 S RIDGE ST RYE BROOK, NY 10573 | UNITEDHEALTHCARE INSURANCE COMPANY | $24K | — | $24K | 2.13% |
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | UNITEDHEALTHCARE INSURANCE COMPANY | $17K | — | $17K | 1.52% |
| MARTIN INSURANCE GROUP3 Filed as: MARTIN INSURANCE SERVICES INC | 259 PROSPECT PLAINS RD, BLDG F CRANBURY, NJ 08512 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $8K | $8K | 0.75% |
| FNA INSURANCE SERVICES INC3 | 401 BROADHOLLOW RD, STE 303 MELVILLE, NY 11747 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $3K | $3K | 0.31% |
| FNA INSURANCE SERVICES INC3 | 401 BROADHOLLOW RD FL3 MELVILLE, NY 11747 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 5.00% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES, INC - EB | 1000 WOODBURY RD STE 403 WOODBURY, NY 11797 | COMPANION LIFE INSURANCE COMPANY | $2K | $3K | $5K | 20.58% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES, INC - EB | 1000 WOODBURY RD STE 403 WOODBURY, NY 11797 | MUTUAL OF OMAHA INSURANCE COMPANY | $2K | $2K | $4K | 20.76% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES, INC - EB | 1000 WOODBURY RD STE 403 WOODBURY, NY 11797 | MUTUAL OF OMAHA INSURANCE COMPANY | $464 | $502 | $966 | 20.82% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES, INC - EB | 1000 WOODBURY RD STE 403 WOODBURY, NY 11797 | COMPANION LIFE INSURANCE COMPANY | $298 | $309 | $607 | 20.35% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES, INC - EB | 1000 WOODBURY RD STE 403 WOODBURY, NY 11797 | MUTUAL OF OMAHA INSURANCE COMPANY | $146 | $152 | $298 | 20.41% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES, INC - EB | 1000 WOODBURY RD STE 403 WOODBURY, NY 11797 | MUTUAL OF OMAHA INSURANCE COMPANY | $26 | $27 | $53 | 20.54% |
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 | 121 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 161 | $1.2M |
| Life insurance(3 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 121 | $27K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 25 | $5K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 31 | $18K |
| Other(2 contracts) | MUTUAL OF OMAHA INSURANCE COMPANY | 121 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 161 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.