| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAUL GLOBAL BENEFITS INC3 | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | AETNA LIFE INSUANCE COMPANY | $1.1M | $299K | $1.4M | 1.73% |
| PAUL GLOBAL BENEFITS INC3 | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $135K | — | $135K | 4.32% |
| PAUL GLOBAL BENEFITS INC3 | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | CIGNA LIFE INSURANCE CO OF NEW YORK | $289K | $40K | $329K | 11.38% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL GLOBAL BENEFITS | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $116K | — | $116K | 4.61% |
| PAUL GLOBAL BENEFITS INC3 | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $121K | — | $121K | 10.08% |
| PAUL GLOBAL BENEFITS INC3 | 7851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | CIGNA LIFE INS CO OF NEW YORK | $118K | $22K | $140K | 11.87% |
| PAUL GLOBAL BENEFITS INC3 | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | CIGNA LIFE INSURANCE CO OF NEW YORK | $68K | $22K | $90K | 13.27% |
| PAUL GLOBAL BENEFITS INC3 | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | CIGNA LIFE INSURANCE CO OF NEW YORK | $49K | — | $49K | 10.00% |
| PAUL GLOBAL BENEFITS INC3 | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | CIGNA LIFE INSURANCE CO OF NEW YORK | $24K | $7K | $31K | 13.17% |
| PAUL GLOBAL BENEFITS INC3 | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $14K | $2K | $16K | 16.98% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL GLOBAL BENEFITS INC. | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $873 | — | $873 | 9.47% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL GLOBAL BENEFITS, INC | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $188 | — | $188 | 10.02% |
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 | 29,671 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 77 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 29,748 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSUANCE COMPANY | 23,017 | $82.7M |
| Dental(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 6,626 | $5.6M |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 23,017 | $1.2M |
| Life insurance(2 contracts, 2 carriers) | CIGNA LIFE INS CO OF NEW YORK | 26,175 | $1.9M |
| Short-term disability | CIGNA LIFE INSURANCE CO OF NEW YORK | 2,630 | $491K |
| Long-term disability | CIGNA LIFE INSURANCE CO OF NEW YORK | 7,274 | $2.9M |
| Other(4 contracts, 3 carriers) | CIGNA LIFE INSURANCE CO OF NEW YORK | 29,671 | $334K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 29,671 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.