| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY ROAD SUITE 403 4TH FLOOR WOODBURY, NY 11797 | OXFORD HEALTH INSURANCE, INC. | $1.4M | — | $1.4M | 2.05% |
| FNA INSURANCE SERVICES INC3 | 100 SUNNYSIDE BOULEVARD WOODBURY, NY 11797 | METROPOLITAN LIFE INSURANCE COMPANY | $474K | — | $474K | 9.95% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | CARECONNECT INSURANCE COMPANY INC | $66K | $22K | $88K | 6.00% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | CARECONNECT INSURANCE COMPANY INC | $47K | $16K | $62K | 6.00% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | CARECONNECT INSURANCE COMPANY INC | $33K | $11K | $43K | 6.00% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY ROAD SUITE 403 4TH FLOOR WOODBURY, NY 11797 | UNITEDHEALTHCARE INSURANCE COMPANY | $33K | — | $33K | 6.00% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY ROAD SUITE 403, 4TH FLOOR WOODBURY, NY 11797 | UNITEDHEALTHCARE INSURANCE COMPANY | $28K | — | $28K | 9.18% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES | 100 SUNNYSIDE BOULEVARD WOODBURY, NY 11797 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $3K | — | $3K | 10.30% |
| FNA INSURANCE SERVICES INC3 | 100 WOODBURY ROD WOODBURY, NY 11797 | UNION SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $2K | — | $2K | 10.00% |
| FNA INSURANCE SERVICES INC3 | 100 WOODBURY ROAD WOODBURY, NY 11797 | UNION SECURITY DENTAL CARE OF NEW JERSEY, INC. | $135 | — | $135 | 6.24% |
| FNA INSURANCE SERVICES INC3 | 100 WOODBURY ROAD WOODBURY, NY 11797 | UDC DENTAL OF CALIFORNIA, INC. | $66 | — | $66 | 10.03% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | SAFEGUARD HEALTH PLANS INC., A FLORIDA CORPORATION | $94 | — | $94 | 15.56% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | SAFEGUARD HEALTH PLANS INC., A CALIFORNIA CORPORATION | $28 | — | $28 | 13.15% |
| FNA INSURANCE SERVICES INC3 | 100 WOODBURY ROAD WOODBURY, NY 11797 | UNION SECURITY INSURANCE COMPANY | $91 | — | $91 | 100.00% |
| FNA INSURANCE SERVICES INC3 | 100 WOODBURY ROAD WOODBURY ROAD, NY 11797 | UNITED DENTAL CARE OF MISSOURI INC | $7 | — | $7 | 10.00% |
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 | 8,187 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 384 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,571 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 3 carriers) | OXFORD HEALTH INSURANCE, INC. | 10,049 | $73.5M |
| Dental(8 contracts, 8 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 13,217 | $4.8M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 3,998 | $310K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 13,217 | $4.8M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 13,217 | $4.8M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 13,217 | $4.8M |
| Prescription drug | OXFORD HEALTH INSURANCE, INC. | 10,049 | $69.7M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 13,217 | $4.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,217 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.