| 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 | $1.3M | $300K | $1.6M | 1.37% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL GLOBAL BENEFITS | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $220K | — | $220K | 4.74% |
| PAUL GLOBAL BENEFITS INC3 | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $199K | — | $199K | 4.34% |
| PAUL GLOBAL BENEFITS INC3 | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | CIGNA LIFE INSURANCE CO OF NEW YORK | $363K | — | $363K | 10.00% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL GLOBAL BENEFITS INC. | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $225K | — | $225K | 9.85% |
| PAUL GLOBAL BENEFITS INC3 | 7851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | CIGNA LIFE INS CO OF NEW YORK | $215K | — | $215K | 9.99% |
| PAUL GLOBAL BENEFITS INC3 | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | CIGNA LIFE INSURANCE CO OF NEW YORK | $193K | — | $193K | 10.00% |
| PAUL GLOBAL BENEFITS INC3 | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | CIGNA LIFE INSURANCE CO OF NEW YORK | $53K | — | $53K | 10.00% |
| PAUL GLOBAL BENEFITS INC3 | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $32K | — | $32K | 15.00% |
| PAUL GLOBAL BENEFITS INC3 | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | CIGNA LIFE INSURANCE CO OF NEW YORK | $18K | — | $18K | 10.00% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL GLOBAL BENEFITS INC. | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $9K | — | $9K | 9.93% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL GLOBAL BENEFITS, INC | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $306 | — | $306 | 9.99% |
| PAUL GLOBAL BENEFITS INC3 | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $39 | — | $39 | 10.57% |
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 | 33,048 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 158 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 33,206 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSUANCE COMPANY | 27,293 | $114.9M |
| Dental(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 10,373 | $9.2M |
| Vision(3 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 40,726 | $2.4M |
| Life insurance(2 contracts, 2 carriers) | CIGNA LIFE INS CO OF NEW YORK | 14,359 | $2.7M |
| Short-term disability | CIGNA LIFE INSURANCE CO OF NEW YORK | 6,197 | $1.9M |
| Long-term disability | CIGNA LIFE INSURANCE CO OF NEW YORK | 10,536 | $3.6M |
| Other(3 contracts, 3 carriers) | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 10,957 | $390K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 40,726 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.