| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES, INC. | 2003 JERICHO TURNPIKE NEW HYDE PARK, NY 11040 | HORIZON HEALTHCARE SERVICES, INC. | $51K | — | $51K | 4.86% |
| FNA INSURANCE SERVICES INC3 | 180 RIVER ROAD FLOOR 2 SUMMIT, NJ 07901 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $2K | $9K | 16.55% |
| NMP PLANNING CO. INC3 Filed as: NMP PLANNING CO INC | 95-25 QUEENS BOULEVARD 10TH FLOOR REGO PARK, NY 11374 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $74 | — | $74 | 0.14% |
| PLAN BENEFIT SERVICES INC3 | PO BOX 2307 COLUMBIA, SC 29202 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $601 | $40 | $641 | 5.44% |
| MBL BENEFITS CONSULTING CORP3 Filed as: MBL BENEFIT CONSULTING | 323 WEST 39TH STREET FLOOR 11 NEW YORK, NY 10018 | VISION SERVICE PLAN | $601 | — | $601 | 8.56% |
| PLAN BENEFIT SERVICES INC3 | PO BOX 2307 COLUMBIA, SC 29202 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $799 | $44 | $843 | 15.83% |
| PLAN BENEFIT SERVICES INC3 | PO BOX 2307 COLUMBIA, SC 29202 | PHYSICIANS EYECARE PLAN | $523 | — | $523 | 10.01% |
| PLAN BENEFIT SERVICES INC3 | PO BOX 2307 COLUMBIA, SC 29202 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $734 | $35 | $769 | 15.71% |
| PLAN BENEFIT SERVICES INC3 | PO BOX 2307 COLUMBIA, SC 29202 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $261 | $15 | $276 | 10.58% |
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 | 164 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 65 | $1.0M |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 154 | $87K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 66 | $12K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 91 | $56K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 33 | $12K |
| Long-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 77 | $59K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 65 | $1.0M |
| Other(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 91 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 154 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.