| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE MEDICAL LINK LLC3 | 1305 FRANKLIN AVENUE SUITE 225 GARDEN CITY, NY 11530 | METROPOLITAN LIFE INSURANCE COMPANY | $26K | — | $26K | 3.16% |
| THE MEDICAL LINK LLC3 | 1305 FRANKLIN AVENUE SUITE 225 GARDEN CITY, NY 11530 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 2.94% |
| THE MEDICAL LINK LLC3 | 1305 FRANKLIN AVENUE SUITE 225 GARDEN CITY, NY 11530 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 7.36% |
| THE MEDICAL LINK LLC3 | 1305 FRANKLIN AVENUE SUITE 225 GARDEN CITY, NY 11530 | METROPOLITAN LIFE INSURANCE COMPANY | $927 | — | $927 | 9.01% |
| THE MEDICAL LINK LLC3 | 1305 FRANKLIN AVENUE SUITE 225 GARDEN CITY, NY 11530 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $947 | — | $947 | 9.49% |
| THE MEDICAL LINK LLC3 | 1305 FRANKLIN AVENUE SUITE 210 GARDEN CITY, NY 11530 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $181 | — | $181 | 1.81% |
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 | 1,633 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,635 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,633 | $819K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,633 | $819K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,633 | $819K |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,633 | $946K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,633 | $819K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,074 | $1.6M |
| Other(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,633 | $853K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,633 | — |
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.