| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAUL GLOBAL BENEFITS INC3 | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | AETNA LIFE INSURANCE COMPANY | $2.0M | $504K | $2.5M | 1.62% |
| PAUL GLOBAL BENEFITS INC3 | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $239K | — | $239K | 4.33% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL GLOBAL BENEFITS | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $231K | — | $231K | 4.61% |
| PAUL GLOBAL BENEFITS INC3 | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | CIGNA LIFE INSURANCE CO OF NEW YORK | $391K | — | $391K | 10.00% |
| PAUL GLOBAL BENEFITS INC3 | 7851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | CIGNA LIFE INS CO OF NEW YORK | $337K | — | $337K | 9.99% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL GLOBAL BENEFITS INC. | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $242K | — | $242K | 8.93% |
| PAUL GLOBAL BENEFITS INC3 | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | CIGNA LIFE INSURANCE CO OF NEW YORK | $228K | — | $228K | 10.00% |
| PAUL GLOBAL BENEFITS INC3 | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | CIGNA LIFE INSURANCE CO OF NEW YORK | $70K | — | $70K | 10.00% |
| PAUL GLOBAL BENEFITS INC3 | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $59K | — | $59K | 15.00% |
| PAUL GLOBAL BENEFITS INC3 | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | CIGNA LIFE INSURANCE CO OF NEW YORK | $22K | — | $22K | 10.00% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL GLOBAL BENEFITS | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $15K | — | $15K | 7.69% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL GLOBAL BENEFITS, INC | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $15K | — | $15K | 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 | $2K | — | $2K | 9.05% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL GLOBAL BENEFITS INC. | 7851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $315 | $66 | $381 | 12.11% |
| PAUL GLOBAL BENEFITS INC3 | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $31 | — | $31 | 9.66% |
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 | 32,601 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 955 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 33,556 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 29,740 | $154.2M |
| Dental(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 11,356 | $10.5M |
| Vision(4 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 42,911 | $2.9M |
| Life insurance(2 contracts, 2 carriers) | CIGNA LIFE INS CO OF NEW YORK | 24,877 | $4.1M |
| Short-term disability | CIGNA LIFE INSURANCE CO OF NEW YORK | 9,067 | $2.3M |
| Long-term disability | CIGNA LIFE INSURANCE CO OF NEW YORK | 16,118 | $3.9M |
| Other(4 contracts, 3 carriers) | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 16,720 | $774K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 42,911 | — |
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.