| 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 | $96K | $0 | $96K | 3.86% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES, INC. - GA | 1000 WOODBURY RD STE 403 WOODBURY, NY 117972500 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $32K | $32K | 1.28% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY RD STE 403 WOODBURY, NY 117972530 | UNITED HEALTHCARE INSURNANCE COMPANY | $8K | $0 | $8K | 5.00% |
| MBL BENEFITS CONSULTING CORP3 | PO BOX 95000 LB # 1803 PHILADELPHIA, PA 191950001 | UNITED HEALTHCARE INSURNANCE COMPANY | $8K | $0 | $8K | 4.74% |
| 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 | $6K | $0 | $6K | 7.20% |
| FNA INSURANCE SERVICES INC3 | 100 SUNNYSIDE BLVD WOODBURY, NY 10018 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $5K | $5K | 5.05% |
| 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 | $7K | $0 | $7K | 9.12% |
| FNA INSURANCE SERVICES INC3 | 100 SUNNYSIDE BLVD WOODBURY, NY 11797 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $4K | $4K | 5.00% |
| 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 | $2K | $0 | $2K | 15.00% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY RD STE 403 WOODBURY, NY 11797 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $798 | $798 | 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 | 224 | 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) | 224 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 372 | $2.7M |
| Dental | UNITED HEALTHCARE INSURNANCE COMPANY | 294 | $161K |
| Vision | UNITED HEALTHCARE INSURNANCE COMPANY | 294 | $161K |
| Life insurance(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 277 | $93K |
| Short-term disability(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 241 | $167K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 234 | $77K |
| Other | FIRST UNUM LIFE INSURANCE COMPANY | 234 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 372 | — |
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.