| 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 | $54K | — | $54K | 3.98% |
| MG BENEFITS CONSULTING GROUP LLC3 | 2A HARDSCRABBLE ROAD NORTH SALEM, NY 10560 | AETNA LIFE INSURANCE CO. | $5K | — | $5K | 4.69% |
| MG BENEFITS CONSULTING GROUP LLC3 | 2A HARDSCRABBLE ROAD NORTH SALEM, NY 10560 | UNITEDHEATHCARE INSURANCE COMPANY | $7K | — | $7K | 9.51% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: MERIDIAN BENEFITS CONSULTING | — | UNITED CONCIERGE MEDICINE | $578 | — | $578 | 11.10% |
| MG BENEFITS CONSULTING GROUP LLC3 | 2A HARDSCRABBLE ROAD NORTH SALEM, NY 10560 | UNITEDHEALTHCARE INSURANCE COMPANY | $534 | — | $534 | 10.88% |
| MG BENEFITS CONSULTING GROUP LLC3 | DBA MERIDIAN BENEFITS CONSULTING 2A HARDSCRABBLE ROAD NORTH SALEM, NY 10560 | ESI GROUP | $220 | — | $220 | 4.99% |
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 | 144 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC | 235 | $1.4M |
| Dental | AETNA LIFE INSURANCE CO. | 218 | $104K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 241 | $5K |
| Life insurance | UNITEDHEATHCARE INSURANCE COMPANY | 149 | $76K |
| Long-term disability | UNITEDHEATHCARE INSURANCE COMPANY | 149 | $76K |
| Other(3 contracts, 3 carriers) | UNITEDHEATHCARE INSURANCE COMPANY | 158 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 241 | — |
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.