| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RBI INSURANCE3 | 250 CROSSWAYS PARK DR. WOODBURY, NY 11797 | US FIRE INSURANCE COMPANY | $98K | — | $98K | 16.69% |
| MEDOVA HEALTHCARE5 | 345 N. RIVERVIEW ST. SUITE 600 WICHITA, KS 67203 | US FIRE INSURANCE COMPANY | — | $72K | $72K | 12.26% |
| MAGNACARE NETWORK4 | 1600 STEWART AVE. STE. 700 WESTBURY, NY 11590 | US FIRE INSURANCE COMPANY | — | $11K | $11K | 1.85% |
| MEDCOM UTILIZATION MANAGEMENT4 | 2100 COVINGTON CENTRE COVINGTON, LA 70433 | US FIRE INSURANCE COMPANY | — | $4K | $4K | 0.67% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES INC. | 1000 WOODBURY RD. STE. 403 WOODBURY, NY 11797 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | $2K | $7K | 7.74% |
| GREATER METRO AGENCY INC3 Filed as: GREATER METRO AGENCY, INC. | 1000 WOODBURY RD. STE. 403 WOODBURY, NY 11797 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $745 | $3K | 3.29% |
| RBI INSURANCE3 Filed as: RBI MANAGEMENT CORP. | 250 CROSSWAYS PARK DR. WOODBURY, NY 11797 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.38% |
| NATIONAL CITY SERVICE AGENCY, INC.3 | 40 WALL STREET, 14TH FL. NEW YORK, NY 10005 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.38% |
| FOXWOOD BROKERAGE INC.(WOODBURY,NY)3 Filed as: FOXWOOD BROKERAGE INC. | 250 CROSSWAYS PARK DR. WOODBURY, NY 11797 | FIRST UNUM LIFE INSURANCE COMPANY | $810 | $0 | $810 | 6.21% |
| NATIONAL CITY SERVICE AGENCY, INC.3 | 40 WALL STREET, 14TH FL. NEW YORK, NY 10005 | FIRST UNUM LIFE INSURANCE COMPANY | $692 | $0 | $692 | 5.31% |
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 | 198 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 198 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 203 | $94K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 29 | $13K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 203 | $94K |
| Stop-loss / reinsurancereinsurance | US FIRE INSURANCE COMPANY | 181 | $587K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 203 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.