| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MBL BENEFITS CONSULTING CORP3 Filed as: MBL BENEFITS CONSULTING CORP. | 323 WEST 39TH STREET 11TH FLOOR NEW YORK, NY 10018 | SHELTERPOINT LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | SHELTERPOINT LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| WORLD INSURANCE ASSOCIATES LLC3 | 656 SHREWSBURY AVENUE SUITE 200 TINTON FALLS, NJ 07701 | SHELTERPOINT LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| WORLD INSURANCE ASSOCIATES LLC3 | 323 WEST 39TH ST 11TH FLOOR NEW YORK, NY 10018 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | — | $4K | 7.20% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $2K | $2K | 3.95% |
| 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 | -$1 | $464 | $463 | 0.75% |
| MBL BENEFITS CONSULTING CORP3 Filed as: MBL BENEFITS CONSULTING CORP. | 323 WEST 39TH STREET 11TH FLOOR NEW YORK, NY 10018 | SHELTERPOINT LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | SHELTERPOINT LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| WORLD INSURANCE ASSOCIATES LLC3 | 100 WOOD AVE SOUTH 4TH FLR ISELIN, NJ 08830 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 9.80% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES, INC | 1000 WOODBURY RD 4TH FL STE 403 WOODBURY, NY 11797 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $159 | $692 | $851 | 4.58% |
| MBL BENEFITS CONSULTING CORP3 Filed as: MBL BENEFITS CONSULTING CORP. | 323 WEST 39TH STREET 11TH FLOOR NEW YORK, NY 10018 | SHELTERPOINT LIFE INSURANCE COMPANY | $1K | — | $1K | 10.21% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | SHELTERPOINT LIFE INSURANCE COMPANY | $920 | — | $920 | 6.87% |
| WORLD INSURANCE ASSOCIATES LLC3 | 656 SHREWSBURY AVENUE SUITE 200 TINTON FALLS, NJ 07701 | SHELTERPOINT LIFE INSURANCE COMPANY | $803 | — | $803 | 6.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 CLAIMS ADMINISTRATOR | Claims processing; Insurance brokerage commissions and fees; Other commissions; Contract Administrator Service code 12 | — | $143K |
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 | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 225 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 135 | $62K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 224 | $19K |
| Short-term disability(2 contracts) | SHELTERPOINT LIFE INSURANCE COMPANY | 102 | $48K |
| Other | SHELTERPOINT LIFE INSURANCE COMPANY | 383 | $172K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 383 | — |
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.