| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MBL BENEFITS CONSULTING CORP3 Filed as: MBL BENEFITS CONSULTING | 323 WEST 39TH STREET, 11TH FLOOR NEW YORK, NY 10018 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | $0 | $9K | 3.85% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES, INC. | 1000 WOODBURY ROAD, SUITE 403 WOODBURY, NY 11797 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | $0 | $9K | 3.78% |
| WORLD INSURANCE ASSOCIATES LLC3 | 656 SHREWSBURY AVENUE, SUITE 200 TINTON FALLS, NJ 07701 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 1.62% |
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET, 24TH FLOOR CINCINNATI, OH 45202 | PRINCIPAL LIFE INSURANCE COMPANY | $489 | $0 | $489 | 0.20% |
| MBL BENEFITS CONSULTING CORP3 Filed as: MBL BENEFITS CONSULTING | 323 WEST 39TH STREET, 11TH FLOOR NEW YORK, NY 10018 | UNTEDHEALTHCARE INSURANCE COMPANY | $158K | $0 | $158K | 249.48% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES, INC. | 1000 WOODBURY ROAD, SUITE 403 WOODBURY, NY 11797 | UNTEDHEALTHCARE INSURANCE COMPANY | $63K | $0 | $63K | 100.00% |
| WORLD INSURANCE ASSOCIATES LLC3 | 323 WEST 39TH STREET, 11TH FLOOR NEW YORK, NY 10018 | UNTEDHEALTHCARE INSURANCE COMPANY | $0 | $5K | $5K | 7.91% |
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 | 690 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 690 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNTEDHEALTHCARE INSURANCE COMPANY | 707 | $63K |
| Dental | UNTEDHEALTHCARE INSURANCE COMPANY | 707 | $63K |
| Vision | UNTEDHEALTHCARE INSURANCE COMPANY | 707 | $63K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 854 | $245K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 854 | $245K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 854 | $245K |
| Prescription drug | UNTEDHEALTHCARE INSURANCE COMPANY | 707 | $63K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 854 | $245K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 854 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.