| 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. | $587K | — | $587K | 4.30% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL GLOBAL BENEFITS INC. | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | ANTHEM HEALTH PLANS OF KENTUCKY | $48K | — | $48K | 5.00% |
| PAUL GLOBAL BENEFITS INC3 | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | ANTHEM LIFE INSURANCE COMPANY | $70K | — | $70K | 11.09% |
| PAUL GLOBAL BENEFITS INC3 | 7851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | UNICARE LIFE & HEALTH INSURANCE COMPANY | $6K | — | $6K | 8.43% |
| 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 | 15.00% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL GLOBAL BENEFITS INC. | 6851 JERICHO TUNRPIKE SUITE 270 SYOSSET, NY 11791 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 15.00% |
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 | 2,625 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 24 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,649 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 2,911 | $13.7M |
| Dental | ANTHEM HEALTH PLANS OF KENTUCKY | 1,671 | $954K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 2,911 | $13.7M |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 4,937 | $627K |
| Short-term disability(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 4,937 | $704K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 4,937 | $627K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 334 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,937 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.