| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORLD INSURANCE ASSOCIATES LLC3 | 14821 S DIXIE HWY MIAMI, FL 33176 | SYMETRA LIFE INSURANCE COMPANY | $36K | — | $36K | 20.00% |
| NATIONAL ENROLLMENT PARTNERS GENERA3 Filed as: NATIONAL ENROLLMENT PARTNERS G | 2000 CHAPEL VIEW BLVD STE 240 CRANSTON, RI 02920 | SYMETRA LIFE INSURANCE COMPANY | — | $9K | $9K | 5.20% |
| SINGLE POINT ENROLLMENT SOLUTIONS3 Filed as: SINGLE POINT ENROLLMENT SOLUTI | 12002 SW 128TH CT STE 207 MIAMI, FL 33186 | SYMETRA LIFE INSURANCE COMPANY | -$7K | — | -$7K | -3.67% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INS. ASSOC LLC | 100 WOOD AVE S ISELIN, NJ 08830 | UNITED HEALTHCARE INSURANCE COMPANY | $12K | — | $12K | 9.68% |
| SINGLE POINT ENROLLMENT SOLUTIONS3 Filed as: SINGLE POINT ENROLLMENT SOLUTI | 12002 SW 128TH CT STE 207 MIAMI, FL 33186 | SYMETRA LIFE INSURANCE COMPANY | $23K | — | $23K | 19.14% |
| WORLD INSURANCE ASSOCIATES LLC3 | 14821 S DIXIE HWY MIAMI, FL 33176 | SYMETRA LIFE INSURANCE COMPANY | $15K | — | $15K | 12.76% |
| NATIONAL ENROLLMENT PARTNERS GENERA3 Filed as: NATIONAL ENROLLMENT PARTNERS G | 2000 CHAPEL VIEW BLVD STE 240 CRANSTON, RI 02920 | SYMETRA LIFE INSURANCE COMPANY | — | $7K | $7K | 5.70% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $232K |
| WORLD INSURANCE ASSOCIATES LLC BROKER | Other commissions Service code 55 | 100 WOOD AVE S FL4 ISELIN, NJ 08830 | $109K |
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 | 317 | 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) | 317 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | TOKIO MARINE | 322 | $645K |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 322 | $125K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 322 | $125K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 317 | $180K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 317 | $180K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 317 | $180K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE | 256 | $519K |
| Other(2 contracts) | SYMETRA LIFE INSURANCE COMPANY | 317 | $301K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 322 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.