| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MBL BENEFITS CONSULTING CORP3 Filed as: MBL BENEFITS CONSULTING | 323 W 39TH ST FL 11 NEW YORK, NY 10018 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | $72K | $76K | 5.23% |
| GREATER METRO AGENCY INC3 | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $31K | $31K | 2.16% |
| MBL BENEFITS CONSULTING CORP3 Filed as: MBL BENEFITS CONSULTING | 323 WEST 39TH STREET, 11TH FLOOR NEW YORK, NY 10018 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $10K | $10K | 0.71% |
| GREATER METRO AGENCY INC3 | 1000 WOODBURY ROAD, SUITE 403 WOODBURY, NY 11797 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $4K | $4K | 0.27% |
| MBL BENEFITS CONSULTING CORP3 Filed as: MBL BENEFITS CONSULTING | 323 W 39TH ST FL 11 NEW YORK, NY 10018 | CIGNA DENTAL OF NEW JERSEY | $382 | $0 | $382 | 5.00% |
| GREATER METRO AGENCY INC3 | 1000 WOODBURY ROAD WOODBURY, NY 11797 | CIGNA DENTAL OF NEW JERSEY | $0 | $305 | $305 | 3.99% |
| MBL BENEFITS CONSULTING CORP3 Filed as: MBL BENEFITS CONSULTING | 323 W 39TH ST FL 11 NEW YORK, NY 10018 | CIGNA HEALTHCARE OF CONNECTICUT INC | $191 | $0 | $191 | 5.00% |
| GREATER METRO AGENCY INC3 | 1000 WOODBURY ROAD WOODBURY, NY 11797 | CIGNA HEALTHCARE OF CONNECTICUT INC | $0 | $153 | $153 | 4.01% |
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 | 141 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 175 | $1.4M |
| Dental(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 175 | $1.5M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 175 | $1.4M |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 175 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 175 | — |
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.