| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MBL BENEFITS CONSULTING CORP3 | 323 WEST 39TH STREET 11TH FLOOR NEW YORK, NY 10018 | UNITEDHEALTHCARE INSURANCE COMPANY | $81K | $0 | $81K | 3.17% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $39K | $39K | 1.52% |
| MBL BENEFITS CONSULTING CORP3 | 323 WEST 39TH STREET 11TH FLOOR NEW YORK, NY 10018 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $13K | $946 | $14K | 7.44% |
| GREATER METRO AGENCY INC3 | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $8K | $8K | 4.25% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | EYEMED VISION CARE | $666 | $0 | $666 | 13.26% |
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 | 273 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 273 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 398 | $2.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 280 | $183K |
| Vision | EYEMED VISION CARE | 305 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 398 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.