| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MBL BENEFITS CONSULTING CORP3 | 323 W 39TH STREET FLOOR 11 NEW YORK, NY 10018 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $5K | $48K | $52K | 5.26% |
| DONALD C SAVOY INC3 | 25B HANOVER RD STE 220 FLORHAM PARK, NJ 07932 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $18K | $18K | 1.85% |
| MBL BENEFITS CONSULTING CORP3 Filed as: MBL BENEFITS CONSULTING CORP. | 323 WEST 39TH STREET FLOOR 11 NEW YORK, NY 10018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $1K | $4K | 14.63% |
| FNA INSURANCE SERVICES INC3 | 2003 JERICHO TPKE NEW HYDE PARK, NY 11040 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $772 | $772 | 2.55% |
| MBL BENEFITS CONSULTING CORP3 | 323 W 39TH STREET FLOOR 11 NEW YORK, NY 10018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $1K | $4K | 15.10% |
| FNA INSURANCE SERVICES INC3 | 2003 JERICHO TPKE NEW HYDE PARK, NY 11040 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $658 | $658 | 2.49% |
| HOWARD J. METZGER3 Filed as: HOWARD METZGER | DBA MBL BENEFITS CONSULTING CORP 323 W 39TH ST - FL 11 NEW YORK, NY 10018 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 10.00% |
| LIAZON BENEFITS INC3 | 737 MAIN STREET STE 200 BUFFALO, NY 14203 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $870 | — | $870 | 5.00% |
| NATIONAL FINANCIAL NETWORK, LLC3 | 7 HANOVER SQUARE 8TH FL - STE 8A NEW YORK, NY 10004 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $17 | — | $17 | 0.10% |
| MBL BENEFITS CONSULTING CORP3 Filed as: MBL BENEFITS CONSUTLING CORP | 323 WEST 39TH STREET FLOOR 11 NEW YORK, NY 10018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $973 | $501 | $1K | 15.08% |
| FNA INSURANCE SERVICES INC3 | 2003 JERICHO TPKE NEW HYDE PARK, NY 11040 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $241 | $241 | 2.47% |
| MBL BENEFITS CONSULTING CORP3 Filed as: MBL BENEFITS CONSULTING CORP. | 323 WEST 39TH STREET FLOOR 11 NEW YORK, NY 10018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $812 | $349 | $1K | 14.29% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES INC. | 2003 JERICHO TPKE NEW HYDE PARK, NY 11040 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $268 | $268 | 3.30% |
| MBL BENEFITS CONSULTING CORP3 | 323 WEST 39TH STREET FLOOR 11 NEW YORK, NY 10018 | SUN LIFE ASSURANCE COMPANY OF CANADA | $512 | — | $512 | 10.25% |
| LIAZON BENEFITS INC3 Filed as: LIAZON BENEFITS INC. | 199 SCOTT STREET 8TH FLOOR BUFFALO, NY 14204 | SUN LIFE ASSURANCE COMPANY OF CANADA | $252 | — | $252 | 5.05% |
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 | 115 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 116 | $994K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 116 | $994K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 103 | $17K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 115 | $31K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 115 | $30K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 115 | $10K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 115 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 116 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.