| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MBL BENEFITS CONSULTING CORP3 Filed as: MBL BENEFITS COSULTING GROUP | 323 W 39TH STREET 11TH FL WHITE PLAINS, NY 10601 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $31K | $31K | 2.39% |
| GREATER METRO AGENCY INC3 Filed as: GREATER METRO AGENCY | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $16K | $16K | 1.20% |
| MBL BENEFITS CONSULTING CORP3 Filed as: MBL BENEFITS CONSULTING GROUP | 323 W 39TH ST 11TH FL NEW YORK, NY 10018 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | — | $4K | 7.19% |
| GREATER METRO AGENCY INC3 | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $2K | $2K | 3.95% |
| MBL BENEFITS CONSULTING CORP3 Filed as: MBL BENEFITS CONSULTING G | 323 W 39TH ST 11TH FL NEW YORK, NY 10018 | LIFE INSURANCE COMPANY OF NEW YORK | $1K | — | $1K | 8.59% |
| FNA INSURANCE SERVICES IN3 | 1000 WOODBURY DR 4TH FL STE 403 WOODBURY, NY 11797 | LIFE INSURANCE COMPANY OF NEW YORK | — | $778 | $778 | 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. |
| Total participants (= "Plan participants" tile) | 224 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 120 | $1.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 117 | $62K |
| Life insurance | LIFE INSURANCE COMPANY OF NEW YORK | 224 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 224 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.