| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE MEDICAL LINK LLC3 | 1305 FRANKLIN AVE STE 210 GARDEN CITY, NY 11530 | UNITEDHEALTHCARE INSURANCE COMPANY | $24K | $129K | $153K | 4.30% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY RD STE 403 WOODBURY, NY 11797 | UNITEDHEALTHCARE INSURANCE COMPANY | $55K | — | $55K | 1.56% |
| THE MEDICAL LINK LLC3 | 1305 FRANKLIN AVE STE 225 GARDEN CITY, NY 11530 | UNITEDHEALTHCARE INSURANCE COMPANY | $604 | — | $604 | 3.52% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY RD STE 403 4TH FL WOODBURY, NY 11797 | UNITEDHEALTHCARE INSURANCE COMPANY | $302 | — | $302 | 1.76% |
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 | 724 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 724 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 918 | $3.6M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 918 | $3.6M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 918 | $3.6M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 724 | $17K |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 724 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 918 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.