| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NY-GJK INSURANCE AGENCY3 Filed as: GJK INSURANCE AGENCY, LLC | 100 WOOD AVENUE SOUTH FLOOR 11 ISELIN, NJ 08830 | UNITEDHEALTHCARE INSURANCE COMPANY | $242K | — | $242K | 3.45% |
| FNA INSURANCE SERVICES INC3 | 401 BROADHOLLOW ROAD FLOOR 3 MELVILLE, NY 11747 | UNITEDHEALTHCARE INSURANCE COMPANY | $46K | — | $46K | 0.65% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INS SERVICES INC | 401 BROADHOLLOW ROAD FLOOR 3 SUITE 303 MELVILLE, NY 11747 | METROPOLITAN LIFE INSURANCE COMPANY | $28K | — | $28K | 4.56% |
| WORLD INS ASSOC LLC3 | PO BOX PO BOX 95000 LOCKBOX 1803 PHILADELPHIA, PA 19195 | METROPOLITAN LIFE INSURANCE COMPANY | $24K | — | $24K | 3.99% |
| WORLD INS ASSOC LLC3 | PO BOX 95000 PHILADELPHIA, PA 19195 | METROPOLITAN LIFE INSURANCE COMPANY | — | $9K | $9K | 1.45% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INS SERVICES INC | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 0.30% |
| WORLD INSURANCE ASSOCIATES LLC3 | PO BOX 95000 LOCK BOX 1803 PHILADELPHIA, PA 19195 | METLIFE LEGAL PLANS | $2K | $277 | $3K | 12.30% |
| WORLD INS ASSOC LLC3 | PO BOX PO BOX 95000 LOCKBOX 1803 PHILADELPHIA, PA 19195 | METROPOLITAN LIFE INSURANCE COMPANY | $709 | — | $709 | 6.41% |
| WORLD INSURANCE ASSOCIATES LLC3 | PO BOX 95000 PHILADELPHIA, PA 19195 | METROPOLITAN LIFE INSURANCE COMPANY | — | $275 | $275 | 2.49% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INS SERVICES INC | 401 BROADHOLLOW ROAD FLOOR 3 SUITE 303 MELVILLE, NY 11747 | METROPOLITAN LIFE INSURANCE COMPANY | $170 | — | $170 | 1.54% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INS SERVICES INC | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | METROPOLITAN LIFE INSURANCE COMPANY | — | $96 | $96 | 0.87% |
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 | 510 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 513 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 779 | $7.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 672 | $607K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 672 | $607K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 672 | $607K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 672 | $607K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 672 | $607K |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 672 | $639K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 779 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.