| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MBL BENEFITS CONSULTING CORP3 | 323 W 39TH STREET 11TH FLOOR NEW YORK, NY 10018 | OXFORD HEALTH INSURANCE, INC | $44K | $158 | $44K | 3.92% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY RD SUITE 403 NEW YORK, NY 11797 | OXFORD HEALTH INSURANCE, INC | $0 | $25K | $25K | 2.22% |
| MBL BENEFITS CONSULTING CORP3 | 323 W 39TH STREET 11TH FLOOR NEW YORK, NY 10018 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $0 | $3K | 4.84% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY RD SUITE 403 NEW YORK, NY 11797 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $0 | $3K | 4.51% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD 2ND FLOOR HAUPPAUGE, NY 11788 | SHELTERPOINT LIFE INSURANCE CO, | $1K | $0 | $1K | 12.00% |
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 | 212 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 212 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC | 212 | $1.1M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 194 | $70K |
| Vision | SHELTERPOINT LIFE INSURANCE CO, | 148 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 212 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.