| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MBL BENEFITS CONSULTING CORP3 Filed as: MBL BENEFITS CONSUTLING GORP | 323 W 39TH STREET FL 11 NEW YORK, NY 100181390 | OXFORD HEALTH INSURANCE, INC | $113K | $0 | $113K | 3.93% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES, INC. - GA | 1000 WOODBURY RD STE 403, 4TH FL WOODBURY, NY 117972500 | OXFORD HEALTH INSURANCE, INC | $0 | $42K | $42K | 1.46% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY RD STE 403, 4TH FL WOODBURY, NY 117972500 | UNITED HEALTHCARE INSURNANCE COMPANY | $21K | $0 | $21K | 10.19% |
| MBL BENEFITS CONSULTING CORP3 | 323 W 39TH STREET FL 11 NEW YORK, NY 100181390 | UNITED HEALTHCARE INSURNANCE COMPANY | $4K | $0 | $4K | 1.76% |
| MBL BENEFITS CONSULTING CORP3 Filed as: MBL BENEFITS CONSULTING | 323 W 39TH STREET, 11TH FLOOR NEW YORK, NY 10018 | FIRST UNUM LIFE INSURANCE COMPANY | $11K | $0 | $11K | 5.32% |
| FNA INSURANCE SERVICES INC3 | 100 SUNNYSIDE BLVD WOODBURY, NY 11797 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $10K | $10K | 5.00% |
| MBL BENEFITS CONSULTING CORP3 Filed as: MBL BENEFITS CONSULTING | 323 W 39TH STREET 11TH FL NEW YORK, NY 10018 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | $0 | $1K | 15.00% |
| FNA INSURANCE SERVICES INC3 | 100 SUNNYSIDE BLVD WOODBURY, NY 11797 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $486 | $486 | 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 | 280 | 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) | 280 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | OXFORD HEALTH INSURANCE, INC | 412 | $3.1M |
| Dental | UNITED HEALTHCARE INSURNANCE COMPANY | 412 | $204K |
| Vision | UNITED HEALTHCARE INSURNANCE COMPANY | 412 | $204K |
| Life insurance(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 289 | $208K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 289 | $199K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 289 | $199K |
| Other | FIRST UNUM LIFE INSURANCE COMPANY | 289 | $199K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 412 | — |
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.