| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MBL BENEFITS CONSULTING CORP3 | 323 WEST 39TH STREET FLOOR 11 NEW YORK, NY 10018 | UNITEDHEALTHCARE INSURANCE COMPANY | $253K | — | $253K | 5.00% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY ROAD SUITE 403 4TH FLOOR WOODBURY, NY 11797 | UNITEDHEALTHCARE INSURANCE COMPANY | $40K | — | $40K | 0.79% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INS SERVICES INC | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | METROPOLITAN LIFE INSURANCE COMPANY | $27K | — | $27K | 5.37% |
| MBL BENEFITS CONSULTING CORP3 | 323 WEST 39TH STREET FLOOR 11 NEW YORK, NY 10018 | METROPOLITAN LIFE INSURANCE COMPANY | $25K | $206 | $26K | 5.02% |
| MBL BENEFITS CONSULTING CORP3 | 323 WEST 39TH STREET FLOOR 11 NEW YORK, NY 10018 | METROPOLITAN LIFE INSURANCE COMPANY | $712 | $45 | $757 | 3.32% |
| MBL BENEFITS CONSULTING CORP3 | 323 WEST 39TH STREET FLOOR 11 NEW YORK, NY 10018 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $7 | $2K | 9.65% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INS SERVICES INC | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | METROPOLITAN LIFE INSURANCE COMPANY | $860 | — | $860 | 4.81% |
| MBL BENEFITS CONSULTING CORP3 | 323 WEST 39TH STREET 11TH FLOOR NEW YORK, NY 10018 | METLIFE LEGAL PLANS | $1K | $6 | $1K | 9.20% |
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 | 255 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 257 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 657 | $5.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 570 | $508K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 570 | $508K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 570 | $508K |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 570 | $531K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 570 | $508K |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 570 | $540K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 657 | — |
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.