| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RBI INSURANCE3 | 250 CROSSWAYS PARK DR. WOODBURY, NY 11797 | UNITED STATES FIRE INSURANCE COMPANY | $85K | — | $85K | 17.39% |
| MEDOVA HEALTHCARE5 | 345 N. RIVERVIEW ST. SUITE 600 WICHITA, KS 67203 | UNITED STATES FIRE INSURANCE COMPANY | — | $79K | $79K | 16.04% |
| MAGNACARE NETWORK4 | 1600 STEWART AVE. STE. 700 WESTBURY, NY 11590 | UNITED STATES FIRE INSURANCE COMPANY | — | $9K | $9K | 1.93% |
| MEDCOM UTILIZATION MANAGEMENT4 | 2100 COVINGTON CENTRE COVINGTON, LA 70433 | UNITED STATES FIRE INSURANCE COMPANY | — | $3K | $3K | 0.70% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES INC. | 1000 WOODBURY RD. WOODBURY, NY 11797 | PRINCIPAL LIFE INSURANCE COMPANY | $13K | $2K | $15K | 15.40% |
| RBI INSURANCE3 Filed as: RBI MANAGEMENT CORP. | 250 CROSSWAYS PARK DR. WOODBURY, NY 11797 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.33% |
| NATIONAL CITY SERVICE AGENCY, INC.3 | 40 WALL STREET, 14TH FL. NEW YORK, NY 10005 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.33% |
| NATIONAL CITY SERVICE AGENCY, INC.3 | 40 WALL STREET, 14TH FL. NEW YORK, NY 10005 | FIRST UNUM LIFE INSURANCE COMPANY | $568 | — | $568 | 6.02% |
| FOXWOOD BROKERAGE INC.(WOODBURY,NY)3 Filed as: FOXWOOD BROKERAGE INC. | 250 CROSSWAYS PARK DR. WOODBURY, NY 11797 | FIRST UNUM LIFE INSURANCE COMPANY | $340 | — | $340 | 3.60% |
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 | 187 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 195 | $98K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 29 | $9K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 195 | $98K |
| Stop-loss / reinsurancereinsurance | UNITED STATES FIRE INSURANCE COMPANY | 158 | $490K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 195 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.