| 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 | $92K | $0 | $92K | 3.98% |
| 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 | $42K | $42K | 1.79% |
| MBL BENEFITS CONSULTING CORP3 | 323 W 39TH ST FL 11 NEW YORK, NY 10018 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $13K | $886 | $13K | 7.41% |
| GREATER METRO AGENCY INC3 | 1000 WOODBURY RD STE 403 WOODBURY, NY 11797 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $7K | $7K | 3.95% |
| FNA INSURANCE SERVICES INC3 | 180 RIVER ROAD FLOOR 2 SUMMIT, NJ 07901 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | $2K | $15K | 16.88% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY RD STE 403 WOODBURY, NY 11797 | EYEMED VISION CARE | $2K | $0 | $2K | 9.97% |
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 | 287 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 291 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC | 353 | $2.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 268 | $182K |
| Vision | EYEMED VISION CARE | 273 | $22K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 287 | $86K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 287 | $86K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 287 | $86K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 287 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 353 | — |
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.