| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAUL GLOBAL BENEFITS INC3 | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $594K | — | $594K | 4.68% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL GLOBAL BENEFITS | 6851 JERICHO TURNPIKE SUITE 270 SYSOSSET, NY 11791 | ANTHEM HEALTH PLANS OF KENTUCKY | $51K | — | $51K | 5.00% |
| PAUL GLOBAL BENEFITS INC3 | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | ANTHEM LIFE INSURANCE COMPANY | $32K | $9K | $41K | 15.41% |
| PAUL GLOBAL BENEFITS INC3 | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | ANTHEM LIFE INSURANCE COMPANY | $28K | $8K | $36K | 15.41% |
| PAUL GLOBAL BENEFITS INC3 | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 117914494 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $7K | — | $7K | 4.69% |
| PAUL GLOBAL BENEFITS INC3 | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | ANTHEM LIFE INSURANCE COMPANY | $13K | $4K | $16K | 15.41% |
| PAUL GLOBAL BENEFITS INC3 | 7851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | UNICARE LIFE & HEALTH INSURANCE COMPANY | $8K | $3K | $11K | 13.46% |
| PAUL GLOBAL BENEFITS INC3 | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | FEDERAL INSURANCE COMPANY | $527 | — | $527 | 14.95% |
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 | 3,029 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,046 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 1,703 | $12.7M |
| Dental | ANTHEM HEALTH PLANS OF KENTUCKY | 1,740 | $1.0M |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 1,561 | $142K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 5,381 | $232K |
| Short-term disability(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 980 | $342K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 5,381 | $105K |
| Other | FEDERAL INSURANCE COMPANY | 5,381 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,381 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.