| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MBL BENEFITS CONSULTING CORP3 | 323 WEST 39TH STREET 11TH FLOOR NEW YORK, NY 10018 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $4K | $4K | 2.28% |
| GREATER METRO AGENCY INC3 | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $3K | $3K | 2.00% |
| FNA INSURANCE SERVICES INC3 | 180 RIVER ROAD 2ND FLOOR SUMMIT, NJ 07901 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 13.53% |
| MBI BENEFITS CONSULTING CORP3 | 323 WEST 39TH STREET NEW YORK, NY 10018 | THE PAUL REVERE LIFE INSURANCE COMPANY | $781 | — | $781 | 9.33% |
| MCO PARTNERS LLC3 | 315 WEST 39TH STREET SUITE 303 NEW YORK, NY 10018 | THE PAUL REVERE LIFE INSURANCE COMPANY | $352 | $215 | $567 | 6.78% |
| YOLANDA TRISTANCHO-HELWIG3 | 449 CENTRAL AVENUE SAINT PETERSBURG, FL 33701 | THE PAUL REVERE LIFE INSURANCE COMPANY | $184 | — | $184 | 2.20% |
| FNA INSURANCE SERVICES INC3 | 2003 JERICHO TURNPIKE NEW HYDE PARK, NY 11040 | THE PAUL REVERE LIFE INSURANCE COMPANY | $178 | — | $178 | 2.13% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES, INC-EB | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | MUTUAL OF OMAHA INSURANCE COMPANY | $545 | $182 | $727 | 20.01% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES, INC-EB | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | MUTUAL OF OMAHA INSURANCE COMPANY | $532 | $177 | $709 | 20.01% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES, INC-EB | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | COMPANION LIFE INSURANCE COMPANY | $103 | — | $103 | 15.04% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES, INC-EB | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | MUTUAL OF OMAHA INSURANCE COMPANY | $26 | $9 | $35 | 19.89% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES, INC-EB | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | MUTUAL OF OMAHA INSURANCE COMPANY | $17 | — | $17 | 15.18% |
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 | 78 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 84 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 132 | $154K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 76 | $12K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 76 | $12K |
| Life insurance(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 92 | $861 |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 92 | $4K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 92 | $4K |
| Other(4 contracts, 3 carriers) | THE PAUL REVERE LIFE INSURANCE COMPANY | 92 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 132 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.