| 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 | $0 | $159K | $159K | 1.78% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY RD STE 403 WOODBURY, NY 11797 | UNITEDHEALTHCARE INSURANCE COMPANY | $108K | $13K | $121K | 1.36% |
| THE MEDICAL LINK LLC3 | 1305 FRANKLIN AVE SUITE 225 GARDEN CITY, NY 11530 | UNITEDHEALTHCARE INSURANCE COMPANY | $58K | — | $58K | 12.59% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES, INC. | 1000 WOODBURY RD STE 403 4TH FL WOODBURY, NY 11797 | UNITEDHEALTHCARE INSURANCE COMPANY | $38K | — | $38K | 8.23% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC-BOSTON | 980 WASHINGTON ST STE 325 DEDHAM, MA 02026 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | — | $9K | 1.93% |
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 | 1,872 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,893 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,551 | $8.9M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 1,551 | $8.9M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,551 | $8.9M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 1,872 | $457K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 1,872 | $457K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 1,872 | $457K |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 1,872 | $457K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,872 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.