| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MBL BENEFITS CONSULTING CORP3 Filed as: MBL BENEFITS CONSUTLING GORP | PO BOX 95000 LB # 1803 PHILADELPHIA, PA 191950001 | UNITEDHEALTHCARE INSURANCE COMPANY | $78K | $0 | $78K | 4.20% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES, INC. | 401 BROADHOLLOW RD, STE 303 MELVILLE, NY 117474721 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $24K | $24K | 1.31% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATES INC. | 323 W 39TH STREET, 11TH FLOOR NEW YORK, NY 10018 | FIRST UNUM LIFE INSURANCE COMPANY | $9K | — | $9K | 6.86% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY RD. STE 403 WOODBURY, NY 11797 | FIRST UNUM LIFE INSURANCE COMPANY | — | $7K | $7K | 5.01% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATES, LLC | 323 W 39TH ST, 11TH FL NEW YORK, NY 10018 | FIRST UNUM LIFE INSURANCE COMPANY | $5K | — | $5K | 11.35% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY RD. STE 403 WOODBURY, NY 11797 | FIRST UNUM LIFE INSURANCE COMPANY | — | $3K | $3K | 6.19% |
| FNA INSURANCE SERVICES INC3 | 401 BROADHLLOW ROAD, STE 303 MELVILLE, NY 117474721 | UNITED HEALTHCARE INSURNANCE COMPANY | $1K | $7K | $9K | 36.01% |
| NY-GJK INSURANCE AGENCY3 Filed as: NY - GJK INSURANCE AGENCY | 100 WOOD AVE S ISELIN, NJ 088302727 | UNITED HEALTHCARE INSURNANCE COMPANY | $2K | $0 | $2K | 10.00% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATES, LL | 323 W 39TH STREET 11TH FL NEW YORK, NY 10018 | FIRST UNUM LIFE INSURANCE COMPANY | $636 | — | $636 | 14.98% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY RD STE 403 WOODBURY, NY 11797 | FIRST UNUM LIFE INSURANCE COMPANY | — | $212 | $212 | 4.99% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 248 | $1.9M |
| Dental | UNITED HEALTHCARE INSURNANCE COMPANY | 102 | $24K |
| Vision | UNITED HEALTHCARE INSURNANCE COMPANY | 102 | $24K |
| Life insurance(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 145 | $142K |
| Short-term disability(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 154 | $185K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 145 | $138K |
| Other | FIRST UNUM LIFE INSURANCE COMPANY | 145 | $138K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 248 | — |
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.