| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GOLD SKY BENEFITS LLC3 Filed as: GOLD SKY BENEFITS, LLC | 214-25 42ND AVENUE BAYSIDE, NY 11361 | AETNA LIFE INSURANCE CO. | $26K | — | $26K | 0.71% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES INC. | 1000 WOODBURY RD WOODBURY, NY 11797 | AETNA LIFE INSURANCE CO. | $23K | — | $23K | 0.64% |
| GOLD SKY BENEFITS LLC3 | 40-29 235TH ST DOUGLASTON, NC 11363 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | — | $10K | 16.75% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL GLOBAL BENEFITS INC. | 6851 JERIHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 11.36% |
| GOLD SKY BENEFITS LLC3 | 40-29 235TH ST DOUGLASTON, NY 11363 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 16.21% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL GLOBAL BENEFITS INC. | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 11.26% |
| GOLD SKY BENEFITS LLC3 Filed as: GOLD SKY BENEFITS, LLC | 40-29 235TH ST DOUGLASTON, NY 11363 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | — | $11K | 24.34% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL GLOBAL BENEFITS INC. | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 15.19% |
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 | 868 | 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) | 868 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 775 | $3.6M |
| Dental | AETNA LIFE INSURANCE CO. | 775 | $3.6M |
| Vision | AETNA LIFE INSURANCE CO. | 775 | $3.6M |
| Other(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 361 | $156K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 775 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.