| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MG BENEFITS CONSULTING GROUP LLC3 | DBA MERIDIAN BENEFITS CONSULTING 2A HARDSCRABBLE ROAD NORTH SALEM, NY 10560 | OXFORD HEALTH INSURANCE, INC | $51K | — | $51K | 4.00% |
| MG BENEFITS CONSULTING GROUP LLC3 | 80 BUSINESS PARK DRIVE SUITE 306 ARMONK, NY 10504 | AETNA LIFE INSURANCE CO. | $3K | — | $3K | 3.65% |
| MG BENEFITS CONSULTING GROUP LLC3 | 2A HARDSCRABBLE ROAD NORTH SALEM, NY 10560 | AETNA LIFE INSURANCE CO. | $944 | — | $944 | 1.04% |
| MG BENEFITS CONSULTING GROUP LLC3 | 2A HARDSCRABBLE ROAD NORTH SALEM, NY 10560 | UNITEDHEATHCARE INSURANCE COMPANY | $7K | — | $7K | 9.90% |
| MG BENEFITS CONSULTING GROUP LLC3 | 2A HARDSCRABBLE ROAD NORTH SALEM, NY 10560 | UNITEDHEALTHCARE INSURANCE COMPANY | $506 | — | $506 | 9.94% |
| MG BENEFITS CONSULTING GROUP LLC3 | DBA MERIDIAN BENEFITS CONSULTING 2A HARDSCRABBLE ROAD NORTH SALEM, NY 10560 | ESI GROUP | $208 | — | $208 | 5.00% |
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 | 133 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | 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) | OXFORD HEALTH INSURANCE, INC | 242 | $1.3M |
| Dental | AETNA LIFE INSURANCE CO. | 221 | $91K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 100 | $5K |
| Life insurance | UNITEDHEATHCARE INSURANCE COMPANY | 145 | $69K |
| Long-term disability | UNITEDHEATHCARE INSURANCE COMPANY | 145 | $69K |
| Other(2 contracts, 2 carriers) | UNITEDHEATHCARE INSURANCE COMPANY | 152 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 242 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.