| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORLD INSURANCE ASSOCIATES LLC | 100 WOOD AVE S FL 4 ISELIN, NJ 08830 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 8.14% |
| HEALEY & ASSOCIATES INC3 Filed as: HEALEY & ASSOCIATES, INC. | PO BOX 599 PORTLAND, ME 04112 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 5.53% |
| WORLD INSURANCE ASSOCIATES LLC3 | 100 WOOD AVE S FL 4 ISELINE, NJ 08830 | STANDARD INSURANCE COMPANY | — | $2K | $2K | 1.90% |
| HEALEY & ASSOCIATES INC3 Filed as: HEALEY & ASSOCIATES, INC. | PO BOX 599 PORTLAND, ME 04112 | STANDARD INSURANCE COMPANY | — | $1K | $1K | 1.29% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOC LLC | 100 WOOD AVE S FL4 ISELIN, NJ 08830 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 8.09% |
| HEALEY & ASSOCIATES INC3 Filed as: HEALEY & ASSOCIATES, INC. | PO BOX 599 PORTLAND, ME 04112 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 5.74% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOC LLC | 100 WOOD AVE S FL 4 ISELIN, NJ 08830 | STANDARD INSURANCE COMPANY | — | $2K | $2K | 1.89% |
| HEALEY & ASSOCIATES INC3 Filed as: HEALEY & ASSOCIATES, INC. | PO BOX 599 PORTLAND, ME 04112 | STANDARD INSURANCE COMPANY | — | $1K | $1K | 1.34% |
| WORLD INSURANCE ASSOCIATES LLC | 100 WOOD AVE S FL 4 ISELIN, NJ 08830 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 8.31% |
| HEALEY & ASSOCIATES INC3 Filed as: HEALEY & ASSOCIATES, INC. | PO BOX 599 PORTLAND, ME 04112 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 6.21% |
| WORLD INSURANCE ASSOCIATES LLC3 | 100 WOOD AVE S FL 4 ISELIN, NJ 08830 | STANDARD INSURANCE COMPANY | — | $1K | $1K | 1.94% |
| HEALEY & ASSOCIATES INC3 Filed as: HEALEY & ASSOCIATES, INC. | PO BOX 599 PORTLAND, ME 04112 | STANDARD INSURANCE COMPANY | — | $941 | $941 | 1.45% |
| HEALY & ASSOCIATES, INC.3 Filed as: HEALY & ASSOCIATES, INC | PO BOX 599 PORTLAND, ME 04112 | STANDARD INSURANCE COMPANY | — | -$8 | -$8 | -0.05% |
| HEALY & ASSOCIATES, INC.3 | PO BOX 599 PORTLAND, ME 04112 | STANDARD INSURANCE COMPANY | -$22 | — | -$22 | -0.14% |
| HEALEY & ASSOCIATES INC3 Filed as: HEALEY & ASSOCIATES, INC. | PO BOX 599 PORTLAND, ME 04112 | RED TREE INSURANCE COMPANY, INC. | $708 | — | $708 | 5.17% |
| WORLD INSURANCE ASSOCIATES LLC3 | 100 WOOD AVENUE S 4TH FL ISELIN, NJ 08830 | RED TREE INSURANCE COMPANY, INC. | $674 | — | $674 | 4.92% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES | PO BOX 1320 CONCORD, NH 03302 | RED TREE INSURANCE COMPANY, INC. | $207 | — | $207 | 1.51% |
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 | 279 | 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) | 279 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 0 | $16K |
| Vision | RED TREE INSURANCE COMPANY, INC. | 238 | $14K |
| Life insurance | STANDARD INSURANCE COMPANY | 279 | $65K |
| Short-term disability | STANDARD INSURANCE COMPANY | 279 | $83K |
| Long-term disability | STANDARD INSURANCE COMPANY | 117 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 279 | — |
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."
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.