| 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 | AETNA LIFE INSURANCE COMPANY | $95K | $5K | $100K | 4.71% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY RD WOODBURY, NY 11797 | AETNA LIFE INSURANCE COMPANY | $19K | $0 | $19K | 0.90% |
| FNA INSURANCE SERVICES INC3 | 180 RIVER ROAD FLOOR 2 SUMMIT, NJ 07901 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $26K | $6K | $32K | 12.54% |
| FNA INSURANCE SERVICES INC3 | 180 RIVER ROAD FLOOR 2 SUMMIT, NJ 07901 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $839 | $4K | 7.90% |
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 | 171 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 281 | $2.1M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 171 | $254K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 171 | $254K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 171 | $254K |
| Short-term disability(2 contracts) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 171 | $298K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 171 | $254K |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 171 | $254K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 281 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.