| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTERNATIONAL BENEFITS ADMIN3 | 100 GARDEN CITY PLAZA GARDEN CITY, NY 11530 | XCHANGE BENEFITS | $48K | $24K | $72K | 18.64% |
| MBL BENEFITS CONSULTING CORP3 | 323 W 39TH ST FL 11 NEW YORK, NY 10018 | XCHANGE BENEFITS | $62K | $0 | $62K | 16.06% |
| MBL BENEFITS CONSULTING CORP3 | 323 W 39TH ST FL 11 NEW YORK, NY 10018 | FIRST UNUM LIFE INSURANCE COMPANY | $5K | $0 | $5K | 11.26% |
| FNA INSURANCE SERVICES INC3 | 100 SUNNYSIDE BLVD WOODBURY, NY 11797 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $2K | $4K | 10.00% |
| MBL BENEFITS CONSULTING CORP3 | 323 W 39TH ST FL 11 NEW YORK, NY 10018 | VISION SERVICE PLAN | $1K | $0 | $1K | 8.19% |
| MBL BENEFITS CONSULTING CORP3 | 323 W 39TH ST FL 11 NEW YORK, NY 10018 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| FNA INSURANCE SERVICES INC3 | 100 SUNNYSIDE BLVD WOODBURY, NY 11797 | FIRST UNUM LIFE INSURANCE COMPANY | $658 | $658 | $1K | 9.99% |
| FNA INSURANCE SERVICES INC3 | 180 RIVER ROAD FLOOR 2 SUMMIT, NJ 07901 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $341 | $4K | 34.02% |
| FNA INSURANCE SERVICES INC3 | 100 SUNNYSIDE BLVD WOODBURY, NY 11797 | FIRST UNUM LIFE INSURANCE COMPANY | $587 | $587 | $1K | 38.66% |
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 | 135 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 115 | $11K |
| Vision | VISION SERVICE PLAN | 94 | $13K |
| Life insurance(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 135 | $57K |
| Short-term disability(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 1 | $3K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 135 | $44K |
| Prescription drug | US FIRE INSURANCE COMPANY | 100 | $449K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | US FIRE INSURANCE COMPANY | 253 | $836K |
| Other | FIRST UNUM LIFE INSURANCE COMPANY | 135 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 253 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.