| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MBL BENEFITS CONSULTING CORP3 | 323 W 39TH ST FL 11 NEW YORK, NY 10018 | OXFORD HEALTH INSURANCE, INC | $48K | $0 | $48K | 3.75% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES INC. | 1000 WOODBURY RD STE 403 4TH FLOOR WOODBURY, NY 11797 | OXFORD HEALTH INSURANCE, INC | $0 | $28K | $28K | 2.16% |
| MBL BENEFITS CONSULTING CORP3 | 323 W 39TH ST FL 11 NEW YORK, NY 10018 | PRINCIPAL LIFE INSURANCE COMPANY | $11K | $0 | $11K | 7.67% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES INC. | 1000 WOODBURY RD STE 403 WOODBURY, NY 11797 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | $0 | $7K | 4.44% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY RD STE 403 WOODBURY, NY 11797 | SHELTERPOINT LIFE INSURANCE COMPANY | $3K | $0 | $3K | 9.40% |
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 | 232 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 232 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC | 292 | $1.3M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 326 | $148K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 326 | $148K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 326 | $148K |
| Short-term disability | SHELTERPOINT LIFE INSURANCE COMPANY | 232 | $30K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 326 | $148K |
| Other | SHELTERPOINT LIFE INSURANCE COMPANY | 232 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 326 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.