| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAUL GLOBAL BENEFITS INC3 | 6851 JERICHO TPKE STE 270 SYOSSET, NY 11791 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 13.00% |
| WHARTON/LYON & LYON3 Filed as: WHARTON LYON & LYON | 101 SOUTH LIVINGSTON AVE LIVINGSTON, NJ 07039 | HARTFORD LIFE AND ACCIDENT | $227 | — | $227 | 1.90% |
| PAUL GLOBAL BENEFITS INC3 | 6851 JERICHO TPKE STE 270 SYOSSET, NY 11791 | HARTFORD LIFE INSURANCE CO. | $570 | — | $570 | 8.05% |
| WHARTON/LYON & LYON3 Filed as: WHARTON LYON & LYON | 101 SOUTH LIVINGSTON AVE LIVINGSTON, NJ 07039 | HARTFORD LIFE INSURANCE CO. | $84 | — | $84 | 1.19% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SVCS OF CA | P O BOX 101162 PASADENA, CA 911891162 | HARTFORD LIFE INSURANCE CO. | — | $31 | $31 | 0.44% |
| PAUL GLOBAL BENEFITS INC3 | 6851 JERICHO TPKE STE 270 SYOSSET, NY 11791 | HARTFORD LIFE AND ACCIDENT | $71 | — | $71 | 9.35% |
| WHARTON/LYON & LYON3 Filed as: WHARTON LYON & LYON | 101 SOUTH LIVINGSTON AVE LIVINGSTON, NJ 07039 | HARTFORD LIFE AND ACCIDENT | $14 | — | $14 | 1.84% |
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 | 372 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 372 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 372 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 372 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.