| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RELIABLE BROKERAGE INC3 Filed as: RELIABLE BROKERAGE | 382 ROUTE 59 SUITE 292 MONSEY, NY 10952 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $137K | $137K | 4.42% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INS SERVICES INC | 1000 WOODBURY ROAD NEW YORK, NY 11797 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $62K | $62K | 2.00% |
| RELIABLE BROKERAGE INC3 | 382 ROUTE 59 SUITE 292 MONSEY, NY 10952 | STANDARD INSURANCE COMPANY | $11K | — | $11K | 10.00% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 5.00% |
| RELIABLE BROKERAGE INC3 | 382 ROUTE 59 SUITE 292 MONSEY, NY 10952 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 8.76% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES, INC. | C/O HUB INTERNATIONAL NORTHEAST LTD 1000 WOODBURY ROAD SUITE 403 4TH FL WOODBURY, NY 11797 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| RELIABLE BROKERAGE INC3 | 382 ROUTE 59 SUITE 292 MONSEY, NY 10952 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | — | $5K | 13.82% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INS SERVICES INC | 1000 WOODBURY ROAD NEW YORK, NY 11797 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $2K | $2K | 4.61% |
| EKSTEIN, RAFAEL3 | 185 MARCY AVENUE 2-4C BROOKLYN, NY 11211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 13.50% |
| MERMELSTEIN, ABRAHAM3 | 185 MARCY AVENUE 2-4C BROOKLYN, NY 11211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $450 | — | $450 | 1.50% |
| RELIABLE BROKERAGE INC3 | 382 ROUTE 59 SUITE 292 AIRMONT, NY 10952 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $1K | $3K | 12.01% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INS SERVICES INC | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | PRINCIPAL LIFE INSURANCE COMPANY | — | $1K | $1K | 4.00% |
| RELIABLE BROKERAGE INC3 | 382 ROUTE 59 SUITE 292 MONSEY, NY 10952 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 9.08% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | STANDARD INSURANCE COMPANY | $837 | — | $837 | 4.54% |
| DON TRUDEAU3 | TPG GROUP 25 SEIR HILL ROAD NORWALK, CT 06850 | AMERICAN FIDELITY ASSURANCE COMPANY | $605 | — | $605 | 5.00% |
| RELIABLE BROKERAGE INC3 | 382 ROUTE 59 SUITE 292 AIRMONT, NY 10952 | PRINCIPAL LIFE INSURANCE COMPANY | $22 | $15 | $37 | 12.05% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INS SERVICES INC | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | PRINCIPAL LIFE INSURANCE COMPANY | — | $12 | $12 | 3.91% |
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 | 287 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 295 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 181 | $3.1M |
| Dental(3 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 141 | $140K |
| Vision | STANDARD INSURANCE COMPANY | 172 | $18K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 1,036 | $43K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 104 | $30K |
| Stop-loss / reinsurancereinsurance | AMERICAN FIDELITY ASSURANCE COMPANY | 88 | $12K |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,036 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,036 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.