| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORLD INSURANCE ASSOCIATES LLC3 | 656 SHREWSBURY AVE TINTON FALLS, NJ 07701 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 4.56% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATES, LLC | 656 SHREWSBURY AVENUE SUITE 200 TINTON FALLS, NJ 07701 | DELTA DENTAL OF NEW JERSEY, INC. | $3K | — | $3K | 4.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HORIZON HEALTH CARE SERVICES, INC. CLAIMS ADMINISTRATOR | Insurance brokerage commissions and fees; Claims processing; Other fees; Other services; Participant communication; Direct payment from the plan; Non-monetary compensation; Contract Administrator; Named fiduciary Service code 12 | 3 PENN PLAZA EAST NEWARK, NJ 07105 | $0 |
| WORLD INSURANCE ASSOCIATES LLC BROKER | Insurance brokerage commissions and fees Service code 53 | 656 SHREWSBURY AVENUE SUITE 200 TINTON FALLS, NJ 07701 | $0 |
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 | 406 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 407 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 253 | $76K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 406 | $153K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 406 | $153K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 406 | $153K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 406 | — |
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."
No prospect flags tripped on this filing.