| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MBL BENEFITS CONSULTING CORP3 Filed as: MBL BENEFIT CONSULTING | 323 W 39TH ST 11TH FL NEW YORK, NY 10018 | FIRST UNUM LIFE INSURANCE COMPANY | $16K | — | $16K | 12.73% |
| FNA INSURANCE SERVICES INC3 | 100 SUNNYSIDE BLVD WOODBURY, NY 11797 | FIRST UNUM LIFE INSURANCE COMPANY | $6K | $6K | $13K | 10.00% |
| MBL BENEFITS CONSULTING CORP3 Filed as: MBL BENEFIT CONSULTING | 323 W 39TH ST FL 11 NEW YORK, NY 100181390 | VISION SERVICE PLAN | $625 | — | $625 | 4.36% |
| MARITZA SANTIAGO3 | 1330 KEARNEY AVE FL 2 BRONX, NY 10465 | AFLAC | $1K | — | $1K | 24.73% |
| MJ INSURANCE3 Filed as: PATRICK RUHLE AND VARIOUS AGENTS | 200 GARDEN CITY PLZ STE 410 GARDEN CITY, NY 11530 | AFLAC | $233 | — | $233 | 5.06% |
| NANCY LAPHAM3 Filed as: NANCY A HOAGLAND | 223 BROOK ST OAKDALE, NY 11769 | AFLAC | $175 | — | $175 | 3.80% |
| ANGELA MONTENEGRO3 | 14 WALL ST STE 8C NEW YORK, NY 10005 | AFLAC | $165 | — | $165 | 3.59% |
| SHAUN T KONIOR3 | 31 STRATFORD GRN FARMINGDALE, NY 11735 | AFLAC | $132 | — | $132 | 2.87% |
| MCINERNEY GROUP LLC3 | 580 WHITE PLAINS RD STE 115 TARRYTOWN, NY 10591 | AFLAC | $79 | — | $79 | 1.72% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KINLOCH CONSULTING GROUP INC | 25 MELVILLE PARK RD STE 260 MELVILLE, NY 11747 | AFLAC | $75 | — | $75 | 1.63% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KINLOCH CONSULTING GROUP, INC | 25 MELVILLE PARK ROAD SUITE 260 MELVILLE, NY 11747 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $98 | — | $98 | 9.50% |
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. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 91 | $14K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 135 | $125K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 135 | $125K |
| Other(3 contracts, 3 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 135 | $131K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 135 | — |
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.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.