| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MBL BENEFITS CONSULTING CORP3 Filed as: MBL BENEFITS CONSULTING GROUP | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $51K | $0 | $51K | 14.15% |
| GREATER METRO AGENCY INC3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $22K | $22K | 6.00% |
| MBL BENEFITS CONSULTING CORP3 Filed as: MBL BENEFITS CONSULTING | 323 W 39TH ST FL 11 NEW YORK, NY 10018 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $6K | $0 | $6K | 12.56% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES | 1000 WOODBURY RD 4TH FL STE 403 WOODBURY, NY 11797 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $0 | $2K | $2K | 3.46% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 11803 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $0 | $151 | $151 | 0.29% |
| MBL BENEFITS CONSULTING CORP3 Filed as: MBL BENEFIT CONSULTING | 323 W 39TH ST FL 11 NEW YORK, NY 100181390 | VISION SERVICE PLAN | $711 | $0 | $711 | 8.36% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS-PLEASE SEE ATTACHED | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $823 | $2K | 40.44% |
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 | 117 | 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) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 107 | $359K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 107 | $359K |
| Vision | VISION SERVICE PLAN | 70 | $9K |
| Life insurance | CIGNA LIFE INSURANCE CO. OF NEW YORK | 0 | $51K |
| Short-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 0 | $51K |
| Long-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 0 | $51K |
| Other(2 contracts, 2 carriers) | CIGNA LIFE INSURANCE CO. OF NEW YORK | 15 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 107 | — |
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.