| 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 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $6K | — | $6K | 6.89% |
| GREATER METRO AGENCY INC3 Filed as: GREATER METRO AGENCY INC. | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $4K | $4K | 3.94% |
| HOWARD J. METZGER3 | 323 WEST 39TH STREET 11TH FLOOR NEW YORK, NY 10018 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | — | $2K | 6.15% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $2K | $2K | 5.00% |
| HOWARD J. METZGER3 | 323 WEST 39TH STREET 11TH FLOOR NEW YORK, NY 10018 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | — | $2K | 15.00% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $675 | $675 | 5.00% |
| GREATER METRO AGENCY INC3 Filed as: GREATER METRO AGENCY | 2003 JERICHO TURNPIKE NEW HYDE PARK, NY 11040 | EYEMED VISION CARE | $546 | — | $546 | 5.49% |
| HOWARD J. METZGER3 | 323 WEST 39TH STREET 11TH FLOOR NEW YORK, NY 10018 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $787 | — | $787 | 12.49% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $315 | $315 | 5.00% |
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 | 176 | 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) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 176 | $91K |
| Vision | EYEMED VISION CARE | 150 | $10K |
| Life insurance | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 211 | $6K |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 211 | $40K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 211 | $14K |
| Other | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 211 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 211 | — |
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.