| 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 NEW YORK, NY 10018 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $62K | $62K | 4.99% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY ROAD NEW YORK, NY 11797 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $21K | $21K | 1.68% |
| GREATER METRO AGENCY INC3 Filed as: GREATER METRO AGENCY | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $14K | $14K | 1.16% |
| WORLD INSURANCE ASSOCIATES LLC3 | 323 WEST 39TH STREET NEW YORK, NY 10018 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $4K | $4K | 0.35% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | SHELTERPOINT LIFE INSURANCE COMPANY | $4K | — | $4K | 3.63% |
| MBL BENEFITS CONSULTING CORP3 Filed as: MBL BENEFITS CONSULTING CORP. | 323 WEST 39TH STREET 11TH FLOOR NEW YORK, NY 10018 | SHELTERPOINT LIFE INSURANCE COMPANY | $3K | — | $3K | 2.44% |
| 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 | $250 | $4K | 6.34% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURNACE SERVICES INC | 1000 WOODBURY ROAD SUITE 403 NEW YORK, NY 11797 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $2K | $2K | 3.31% |
| WORLD INSURANCE ASSOCIATES LLC3 | 323 WEST 39TH ST NEW YORK, NY 10018 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $787 | — | $787 | 1.29% |
| GREATER METRO AGENCY INC3 | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $390 | $390 | 0.64% |
| MBL BENEFITS CONSULTING CORP3 Filed as: MBL BENEFITS CONSULTING CORP. | 323 WEST 39TH STREET 11TH FLOOR NEW YORK, NY 10018 | SHELTERPOINT LIFE INSURANCE COMPANY | $3K | — | $3K | 7.58% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | SHELTERPOINT LIFE INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| MBL BENEFITS CONSULTING CORP3 Filed as: MBL BENEFITS CONSULTING G | 323 W 39TH ST 11TH FL NEW YORK, NY 10018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 9.70% |
| FNA INSURANCE SERVICES IN3 | 1000 WOODBURY DR 4TH FL STE 403 WOODBURY, NY 11797 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $851 | $851 | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 CLAIMS ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $6K |
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 | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 228 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 123 | $1.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 123 | $61K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,241 | $17K |
| Short-term disability | SHELTERPOINT LIFE INSURANCE COMPANY | 102 | $41K |
| Other | SHELTERPOINT LIFE INSURANCE COMPANY | 355 | $109K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,241 | — |
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.