| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATION, LLC | 100 WOOD AVENUE SOUTH, 4TH FLOOR ISELIN, NJ 08830 | ANTHEM HEALTH PLANS, INC. | $38K | $0 | $38K | 1.82% |
| PAUL CELLA3 Filed as: PAUL J CELLA | 101 CRAWFORDS CORNER ROAD SUITE 1300 HOLMDEL, NJ 07733 | HARTFORD LIFE AND ACCIDENT | $12K | $10K | $23K | 10.20% |
| WORLD INSURANCE ASSOCIATES LLC3 | 656 SHREWSBURY AVENUE, SUITE 200 TINTON FALLS, NJ 07701 | HARTFORD LIFE AND ACCIDENT | $12K | $0 | $12K | 5.56% |
| WORLD INSURANCE ASSOCIATES LLC3 | 100 WOOD AVENUE SOUTH, 4TH FLOOR ISELIN, NJ 08830 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $0 | $7K | 7.62% |
| ROBERT WHITEHEAD3 | 733 ROBERT FROST DRIVE BRANFORD, CT 06405 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $92 | $4K | 4.49% |
| MICHAEL C WALKER3 Filed as: MICHAEL MASSARELLI | 536A BERLIN STREET SOUTHINGTON, CT 06489 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $544 | $4K | 4.05% |
| KAREN PICCININI3 Filed as: KAREN ANN COYLE | 500 EAST MAIN STREET, SUITE 316 BRANFORD, CT 06405 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $443 | $3K | 3.41% |
| ROSEANN REYNOLDS3 | 163 CEDAR STREET, UNIT 2 B BRANFORD, CT 06405 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $980 | $71 | $1K | 1.09% |
| EILEEN SANCHEZ MEDINA3 Filed as: EILEEN E BERG | 319 THOMASTON ROAD, UNIT 12 WATERTOWN, CT 06795 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $52 | $0 | $52 | 0.05% |
| MJ INSURANCE3 Filed as: MADELYN WILLHITE AND VARIOUS AGENTS | 2 CARROLL PLACE CROMWELL, CT 06416 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $47 | $0 | $47 | 0.05% |
| WORLD INSURANCE ASSOCIATES LLC3 | 100 WOOD AVENUE SOUTH, 4TH FLOOR ISELIN, NJ 08830 | ANTHEM LIFE INSURANCE COMPANY | $2K | $0 | $2K | 11.37% |
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 | 193 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS, INC. | 192 | $2.1M |
| Dental | ANTHEM HEALTH PLANS, INC. | 192 | $2.1M |
| Vision | ANTHEM HEALTH PLANS, INC. | 192 | $2.1M |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 209 | $115K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 78 | $97K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 212 | $223K |
| Prescription drug | ANTHEM HEALTH PLANS, INC. | 192 | $2.1M |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 209 | $115K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 212 | — |
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.