| 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 | — | $165K | $165K | 4.35% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INS SERVICES INC | 300 CONNELL DRIVE SUITE 3000 BERKELEY HEIHTS, NY 07922 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $76K | $76K | 2.00% |
| 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 | $3K | — | $3K | 4.58% |
| RELIABLE BROKERAGE INC3 | 377 ROUTE 59 SUITE 4 MONSEY, NY 10952 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | — | $7K | 15.29% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INS SERVICES INC | 300 CONNELL DRIVE SUITE 3000 BERKELEY HEIGHTS, NJ 07922 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $2K | $2K | 5.10% |
| 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 | $487 | — | $487 | 1.50% |
| RELIABLE BROKERAGE INC3 | 377 ROUTE 59 SUITE 4 MONSEY, NY 10952 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| RELIABLE BROKERAGE INC3 | 377 ROUTE 59 SUITE 4 MONSEY, NY 10952 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INS SERVICES INC | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| RELIABLE BROKERAGE INC3 | 382 ROUTE 59 SUITE 292 MONSEY, NY 10952 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 10.01% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 5.00% |
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 | 294 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 303 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 313 | $3.8M |
| Dental(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 73 | $55K |
| Vision | STANDARD INSURANCE COMPANY | 179 | $22K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 1,070 | $59K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 95 | $32K |
| Stop-loss / reinsurancereinsurance | GERBER | 54 | $12K |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,070 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,070 | — |
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.