| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATES | 323 WEST 39TH STREET, FLOOR 11 NEW YORK, NY 10018 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $74K | $74K | 2.01% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INURANCE SERVICES, INC. | 1000 WOODBURY ROAD NEW YORK, NY 11797 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $71K | $71K | 1.92% |
| MBL BENEFITS CONSULTING CORP3 Filed as: MBL BENEFITS CONSULTING GROUP | 323 WEST 39TH STREET, FLOOR 11 NEW YORK, NY 10018 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $68K | $68K | 1.84% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATES | 323 WEST 39TH STREET, FLOOR 11 NEW YORK, NY 10018 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $9K | $0 | $9K | 4.19% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INURANCE SERVICES, INC. | 1000 WOODBURY ROAD NEW YORK, NY 11797 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $9K | $9K | 3.96% |
| MBL BENEFITS CONSULTING CORP3 Filed as: MBL BENEFITS CONSULTING GROUP | 323 WEST 39TH STREET, FLOOR 11 NEW YORK, NY 10018 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $6K | $0 | $6K | 2.75% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INURANCE SERVICES, INC. | 1000 WOODBURY ROAD, SUITE 403 NEW YORK, NY 11797 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $199 | $0 | $199 | 0.78% |
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 | 347 | 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) | 347 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 437 | $3.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 347 | $220K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 425 | $26K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 437 | $3.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 437 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.