| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTERNATIONAL BENEFITS ADMIN3 | 100 GARDEN CITY PLAZA GARDEN CITY, NY 11530 | XCHANGE BENEFITS | $62K | — | $62K | 14.70% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK INC | 200 LIBERTY ST. FL 6 NEW YORK, NY 102810001 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | $341 | $3K | 7.51% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA INC | ONE PPG PLACE STE 1000 PITTSBURGH, PA 15222 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | — | $2K | 3.85% |
| MBL BENEFITS CONSULTING CORP3 | 323 WEST 39TH STREET 11TH FLOOR NEW YORK, NY 10018 | FIRST UNUM LIFE INSURANCE COMPANY | $400 | — | $400 | 0.87% |
| FNA INSURANCE SERVICES INC3 | 100 SUNNYSIDE BLVD WOODBURY, NY 11797 | FIRST UNUM LIFE INSURANCE COMPANY | $200 | $200 | $400 | 0.87% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA INC | FOUR GATEWAY CTR 444 LIBERTY AVE STE 505 PITTSBURGH, PA 15222 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $215 | $215 | 0.47% |
| HRH CONSULTING3 Filed as: HRH CONSULTING GROUP INC | 25 MELVILLE PARK RD #260 MELVILLE, NY 117473156 | FIRST UNUM LIFE INSURANCE COMPANY | $4K | $333 | $4K | 14.80% |
| MBL BENEFITS CONSULTING CORP3 | 323 WEST 39TH STREET 11TH FLOOR NEW YORK, NY 10018 | FIRST UNUM LIFE INSURANCE COMPANY | $390 | — | $390 | 1.33% |
| FNA INSURANCE SERVICES INC3 | 100 SUNNYSIDE BLVD WOODBURY, NY 11797 | FIRST UNUM LIFE INSURANCE COMPANY | $130 | $130 | $260 | 0.89% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KINLOCH CONSULTING GROUP, INC. | 25 MELVILLE PARK RD STE 260 MELVILLE, NY 117473156 | VISION SERVICE PLAN | $680 | — | $680 | 5.58% |
| MBL BENEFITS CONSULTING CORP3 | 323 W 39TH ST FL 11 NEW YORK, NY 10018 | VISION SERVICE PLAN | $154 | — | $154 | 1.26% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KINLOCH CONSULTING GROUP, INC. | 25 MELVILLE PARK RD STE 260 MELVILLE, NY 117473156 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 19.49% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES INC. | 180 RIVER ROAD FLOOR 2 SUMMIT, NJ 07901 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $883 | — | $883 | 7.64% |
| FNA INSURANCE SERVICES INC3 | 100 SUNNYSIDE BLVD WOODBURY, NY 11797 | FIRST UNUM LIFE INSURANCE COMPANY | $13 | $13 | $26 | 0.98% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KINLOCH CONSULTING GROUP INC | 25 MELVILLE PARK RD STE 260 MELVILLE, NY 11747 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $18 | $18 | 0.68% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| KINLOCH CONSULTING INSURANCE AGENCY EIN 20-8333487 INDEPENDENT BROKER | Insurance agents and brokers; Consulting fees; Insurance brokerage commissions and fees Service code 22 | 25 MELVILLE PARK RD MELVILLE, NY 11747 | $62K |
| INTERNATIONAL BENEFITS ADMINISTRATO EIN 11-3293162 CLAIMS PROCESSOR | Claims processing Service code 12 | 100 GARDEN CITY PLAZA GARDEN CITY, NY 11530 | $33K |
| MBL BENEFITS CONSULTING GROUP EIN 20-2930410 INDEPENDENT BROKER | Consulting fees; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 323 WEST 39TH STREET 11TH FLOOR NEW YORK, NY 10018 | $13K |
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 | 141 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 122 | $12K |
| Vision | VISION SERVICE PLAN | 96 | $12K |
| Life insurance(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 141 | $75K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 118 | $3K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 141 | $46K |
| Stop-loss / reinsurancereinsurance | XCHANGE BENEFITS | 260 | $425K |
| Other | FIRST UNUM LIFE INSURANCE COMPANY | 141 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 260 | — |
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.