| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4 EMBARCADERO CENTER, SUITE 40 SAN FRANCISCO, CA 94111 | TRANSAMERICA LIFE INSURANCE COMPANY | $1.9M | — | $1.9M | 28.68% |
| WORLD INSURANCE ASSOCIATES LLC3 | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | TRANSAMERICA LIFE INSURANCE COMPANY | $316K | — | $316K | 4.68% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATES | 656 SHREWBURY AVE STE 200 TINTON FALLS, NJ 07701 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $231K | — | $231K | 3.62% |
| PAUL GLOBAL BENEFITS INC3 | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $62K | — | $62K | 0.98% |
| PAUL GLOBAL BENEFITS INC3 | 6851 JERICHO TURNPIKE STE 270 SYOSSET, NY 11791 | CIGNA LIFE INSURANCE CO OF NEW YORK | $460K | — | $460K | 9.26% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATES | 6851 JERICHO TPKE STE 270 SYOSSET, NY 11791 | CIGNA LIFE INSURANCE CO OF NEW YORK | $37K | $20K | $57K | 1.15% |
| WORLD INSURANCE ASSOCIATES LLC3 | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | HARTFORD LIFE AND ACCIDENT | $557K | $116K | $673K | 15.87% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATES | 656 SHREWBURY AVE STE 200 TINTON FALLS, NJ 07701 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $158K | — | $158K | 4.14% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL GLOBAL BENEFITS | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $31K | — | $31K | 0.80% |
| PAUL GLOBAL BENEFITS INC3 | 6851 JERICHO TPKE STE 270 SYOSSET, NY 11791 | CIGNA LIFE INS CO OF NEW YORK | $285K | — | $285K | 9.04% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATE | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | CIGNA LIFE INS CO OF NEW YORK | $30K | $20K | $50K | 1.59% |
| PAUL GLOBAL BENEFITS INC3 | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | CIGNA LIFE INSURANCE CO OF NEW YORK | $259K | — | $259K | 9.23% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATES | 6851 JERICHO TURNPIKE STE 270 SYOSSET, NY 11791 | CIGNA LIFE INSURANCE CO OF NEW YORK | $22K | $20K | $42K | 1.48% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL GLOBAL BENEFITS INC. | LB #1803 PHILADELPHIA, PA 19195 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $216K | — | $216K | 10.87% |
| WORLD INSURANCE ASSOCIATES LLC3 | 6851 JERICHO TURNPIKE #270 SYOSSET, NY 11791 | HARTFORD LIFE AND ACCIDENT | $123K | — | $123K | 13.44% |
| PAUL GLOBAL BENEFITS INC3 | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $115K | — | $115K | 13.61% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATES | 6851 JERICHO TURNPIKE STE 270 SYOSSET, NY 11791 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $12K | $17K | $28K | 3.37% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METLIFE LEGAL PLANS | $79K | $13K | $92K | 12.84% |
| MERCER HEALTH AND BENEFITS, LLC3 | 1166 AVENUE OF THE AMERICAS FL 9 NEW YORK, NY 100362708 | METLIFE LEGAL PLANS | — | $11 | $11 | 0.00% |
| 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 Filed as: PAUL GLOBAL BENEFITS, INC | 6851 JERICHO TPKE STE 270 SYOSSET, NY 11791 | VISION SERVICE PLAN | $43K | — | $43K | 8.19% |
| PAUL GLOBAL BENEFITS INC3 | 6851 JERICHO TPKE STE 270 SYOSSET, NY 11791 | CIGNA LIFE INSURANCE CO OF NEW YORK | $19K | — | $19K | 9.09% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATE | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | CIGNA LIFE INSURANCE CO OF NEW YORK | $2K | $3K | $5K | 2.39% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $4K | — | $4K | 3.90% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL GLOBAL BENEFITS | LB #1803 PHILADELPHIA, PA 19195 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $9K | — | $9K | 11.19% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH SALDANA, INC. | CITY VIEW PLAZA TORRE 1 SUITE 700 GUAYNABO, PR 00968 | TRIPLE S SALUD, INC. | $4K | — | $4K | 5.00% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL GLOBAL BENEFITS INC. | LB #1803 PHILADELPHIA, PA 19195 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 10.98% |
| PAUL GLOBAL BENEFITS INC3 | LB #1803 PHILADELPHIA, PA 19195 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $35 | — | $35 | 11.01% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATE | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $156 | $156 | — |
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 | 35,866 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 306 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 36,172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 11,930 | $6.9M |
| Dental(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 16,179 | $10.2M |
| Vision(6 contracts, 2 carriers) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 41,932 | $2.6M |
| Life insurance(4 contracts, 4 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 35,866 | $14.8M |
| Short-term disability(2 contracts, 2 carriers) | CIGNA LIFE INSURANCE CO OF NEW YORK | 35,866 | $2.8M |
| Long-term disability(2 contracts, 2 carriers) | CIGNA LIFE INSURANCE CO OF NEW YORK | 35,866 | $5.0M |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF HAWAII | 27 | $183K |
| Other(8 contracts, 7 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 35,866 | $9.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 41,932 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.