| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORLD INSURANCE ASSOCIATES LLC3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $188K | $0 | $188K | 14.37% |
| FNA INSURANCE SERVICES INC3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $80K | $80K | 6.15% |
| WORLD INSURANCE ASSOCIATES LLC3 | 100 WOOD AVE SOUTH 4TH FLOOR ISELIN, NC 08830 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $5K | $0 | $5K | 7.84% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY RD 4TH FL STE 403 WOODBURY, NY 11797 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $3K | $3K | 5.00% |
| WORLD INSURANCE ASSOCIATES LLC3 | 100 WOOD AVE SOUTH 4TH FLOOR ISELIN, NJ 08830 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $4K | $0 | $4K | 6.97% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY DR 4TH FL STE 403 WOODBURY, NY 11797 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $0 | $3K | $3K | 5.00% |
| WORLD INSURANCE ASSOCIATES LLC3 | 100 WOOD AVE SOUTH 4TH FLOOR ISELIN, NJ 08830 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $3K | $0 | $3K | 7.05% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY DR 4TH FL STE 403 WOODBURY, NY 11797 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $0 | $2K | $2K | 5.00% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATES, LLC | 100 WOOD AVE SOUTH 4TH FLOOR ISELIN, NJ 08830 | VISION SERVICE PLAN | $2K | $0 | $2K | 4.20% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES | 401 BROADHOLLOW RD STE 200 MELVILLE, NY 11747 | VISION SERVICE PLAN | $1K | $0 | $1K | 2.93% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS-PLEASE SEE ATTACHED | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $1K | $4K | 16.27% |
| WORLD INSURANCE ASSOCIATES LLC3 | 100 WOOD AVE SOUTH 4TH FLOOR ISELIN, NJ 08830 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $2K | $0 | $2K | 13.62% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY RD 4TH FL STE 403 WOODBURY, NY 11797 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $0 | $756 | $756 | 5.00% |
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 | 967 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 967 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 547 | $1.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 547 | $1.3M |
| Vision | VISION SERVICE PLAN | 372 | $38K |
| Life insurance | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 0 | $51K |
| Short-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 0 | $49K |
| Long-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 0 | $61K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 54 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 547 | — |
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.