| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAUL GLOBAL BENEFITS INC3 | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | CIGNA HEALTH WND LIFE INSURANCE COMPANY | $947K | — | $947K | 1.20% |
| PAUL GLOBAL BENEFITS INC3 | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $123K | — | $123K | 4.32% |
| PAUL GLOBAL BENEFITS INC3 | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | CIGNA LIFE INSURANCE CO OF NEW YORK | $195K | — | $195K | 10.00% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL GLOBAL BENEFITS | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $89K | — | $89K | 4.64% |
| PAUL GLOBAL BENEFITS INC3 | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | CIGNA LIFE INSURANCE CO OF NEW YORK | $90K | — | $90K | 10.00% |
| PAUL GLOBAL BENEFITS INC3 | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | FIDELITY SECURITY LIFE INSURANCE COM PANY | $62K | — | $62K | 9.03% |
| PAUL GLOBAL BENEFITS INC3 | 6851 JERICHO TURNPIKE SYOSSET, NY 11791 | CIGNA LIFE INSURANCE CO OF NEW YORK | $56K | — | $56K | 10.00% |
| PAUL GLOBAL BENEFITS INC3 | 7851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | CIGNA LIFE INS CO OF NEW YORK | $49K | — | $49K | 10.00% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL GLOBAL BENEITS INC | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | CIGNA LIFE INSURANCE CO OF NEW TORK | $20K | — | $20K | 10.00% |
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 | 23,808 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 113 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 23,921 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH WND LIFE INSURANCE COMPANY | 13,575 | $79.6M |
| Dental(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 5,985 | $4.8M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COM PANY | 13,575 | $691K |
| Life insurance(3 contracts, 3 carriers) | CIGNA LIFE INSURANCE CO OF NEW YORK | 28,000 | $1.3M |
| Short-term disability | CIGNA LIFE INSURANCE CO OF NEW YORK | 0 | $900K |
| Long-term disability | CIGNA LIFE INSURANCE CO OF NEW YORK | 23,800 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 28,000 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.