| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MBL BENEFITS CONSULTING CORP3 Filed as: MBL BENEFIT CONSULTING CORP | 323 WEST 39TH STREET 11TH FLOOR NEW YORK, NY 10018 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $35K | — | $35K | 1.34% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 213 SOUTH JEFFERSON STREET SOUTHWES ROANOKE, VA 24011 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $22K | — | $22K | 0.85% |
| MBL BENEFITS CONSULTING CORP3 Filed as: MBL BENEFIT CONSULTING | 323 WEST 39TH STREET 11TH FLOOR NEW YORK, NY 10018 | FIRST UNUM LIFE INSURANCE COMPANY | $4K | — | $4K | 3.94% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONA | PO BOX 62939 VIRGINIA BEACH, VA 23466 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | $408 | $2K | 1.52% |
| FNA INSURANCE SERVICES INC3 | 100 SUNNYSIDE BOULEVARD WOODBURY, NY 11797 | FIRST UNUM LIFE INSURANCE COMPANY | -$7K | $4K | -$3K | -3.11% |
| MBL BENEFITS CONSULTING CORP3 Filed as: MBL BENEFIT CONSULTING | 323 WEST 39TH STREET 11TH FLOOR NEW YORK, NY 10018 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | — | $3K | 4.68% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONA | PO BOX 62939 VIRGINIA BEACH, VA 23466 | FIRST UNUM LIFE INSURANCE COMPANY | $334 | $232 | $566 | 0.89% |
| FNA INSURANCE SERVICES INC3 | 100 SUNNYSIDE BOULEVARD WOODBURY, NY 11797 | FIRST UNUM LIFE INSURANCE COMPANY | -$7K | $3K | -$4K | -6.36% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONA | PO BOX 62939 VIRGINIA BEACH, VA 23466 | FIRST UNUM LIFE INSURANCE COMPANY | $962 | $48 | $1K | 9.08% |
| MBL BENEFITS CONSULTING CORP3 Filed as: MBL BENEFIT CONSULTING | 323 WEST 39TH STREET 11TH FLOOR NEW YORK, NY 10018 | FIRST UNUM LIFE INSURANCE COMPANY | $706 | — | $706 | 6.35% |
| FNA INSURANCE SERVICES INC3 | 100 SUNNYSIDE BOULEVARD WOODBURY, NY 11797 | FIRST UNUM LIFE INSURANCE COMPANY | — | $235 | $235 | 2.11% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONA | PO BOX 62939 VIRGINIA BEACH, VA 23466 | FIRST UNUM LIFE INSURANCE COMPANY | $797 | $40 | $837 | 7.96% |
| MBL BENEFITS CONSULTING CORP3 Filed as: MBL BENEFIT CONSULTING | 323 WEST 39TH STREET 11TH FLOOR NEW YORK, NY 10018 | FIRST UNUM LIFE INSURANCE COMPANY | $780 | — | $780 | 7.42% |
| FNA INSURANCE SERVICES INC3 | 100 SUNNYSIDE BOULEVARD WOODBURY, NY 11797 | FIRST UNUM LIFE INSURANCE COMPANY | — | $260 | $260 | 2.47% |
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 | 137 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 130 | $2.6M |
| Life insurance(4 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 80 | $190K |
| Long-term disability(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 80 | $169K |
| Other(5 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 128 | $191K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 130 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.