| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORLD INSURANCE ASSOCIATES LLC3 | 100 WOOD AVENUE SOUTH 4TH FLOOR ISELIN, NJ 08830 | ANTHEM BLUE CROSS | $87K | $2K | $89K | 73.01% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | ANTHEM BLUE CROSS | — | $32K | $32K | 26.64% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INS ASSOC LLC | 100 WOOD AVENUE SOUTH FLOOR 4 ISELIN, NJ 08830 | ANTHEM LIFE AND DISABILITY INS CO | $3K | — | $3K | 9.84% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | ANTHEM LIFE AND DISABILITY INS CO | $2K | $267 | $2K | 5.30% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INS ASSOC LLC | 100 WOOD AVENUE SOUTH FLOOR 4 ISELIN, NJ 08830 | ANTHEM LIFE AND DISABIITY INS CO | $2K | — | $2K | 9.96% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | ANTHEM LIFE AND DISABIITY INS CO | $1K | $216 | $1K | 5.47% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATES LLC-NEW | LB#1803 PO BOX 95000 PHILADELPHIA, PA 19195 | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $2K | — | $2K | 8.88% |
| WORLD INSURANCE ASSOCIATES LLC3 | 100 WOOD AVE SOUTH FLOOR 4 ISELIN, NJ 08830 | ANTHEM LIFE AND DISABIITY INS CO | $2K | — | $2K | 15.00% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | ANTHEM LIFE AND DISABIITY INS CO | $694 | $176 | $870 | 5.56% |
| ENROLLEASE3 Filed as: ANDREW J CLARKE | 74-76 MONROE STREET APARTMENT 4 HOBOKEN, NJ 07030 | AFLAC | $1K | — | $1K | 13.12% |
| JANELLE M GADOMSKI3 | 48 FAIRVIEW AVENUE PARK RIDGE, NJ 07656 | AFLAC | $508 | — | $508 | 5.18% |
| PATRICK RUHLE3 Filed as: PATRICK C HARDIE | 14 WALL STREET SUITE 8C NEW YORK, NY 10005 | AFLAC | $293 | — | $293 | 2.99% |
| JANELLE MARIE GADOMSKI3 | 48 FAIRVIEW AVENUE PARK RIDGE, NJ 07656 | AFLAC | $373 | — | $373 | 7.48% |
| ENROLLEASE3 Filed as: ANDREW J CLARKE | 74-76 MONROE STREET APARTMENT 4 HOBOKEN, NJ 07030 | AFLAC | $104 | — | $104 | 2.09% |
| PATRICK RUHLE3 Filed as: PATRICK C HARDIE | 14 WALL STREET SUITE 8C NEW YORK, NY 10005 | AFLAC | $94 | — | $94 | 1.89% |
| ILANA A IZSAK3 | 11120 73RD AVENUE APARTMENT 9H FOREST HILLS, NY 11375 | AFLAC | $1 | — | $1 | 0.02% |
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 | 110 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ANTHEM BLUE CROSS | 87 | $122K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | 74 | $17K |
| Life insurance | ANTHEM LIFE AND DISABILITY INS CO | 108 | $34K |
| Short-term disability(3 contracts, 2 carriers) | ANTHEM LIFE AND DISABIITY INS CO | 108 | $38K |
| Long-term disability | ANTHEM LIFE AND DISABIITY INS CO | 34 | $16K |
| Other(4 contracts, 3 carriers) | ANTHEM LIFE AND DISABILITY INS CO | 108 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 108 | — |
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.