| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL GLOBAL BENEFITS, INC. | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | ANTHEM HEALTH PLANS OF KENTUCKY INC. | $725K | — | $725K | 5.21% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL GLOBAL BENEFITS, INC. | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | ANTHEM LIFE INSURANCE COMAPANY | $74K | — | $74K | 11.83% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL GLOBAL BENEFITS, INC. | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | COMBINED INSURANCE | $71K | — | $71K | 14.47% |
| ENROLLMENT SOLUTIONS LTD3 Filed as: ENROLLMENT MANAGEMENT SERVICE | — | COMBINED INSURANCE | $36K | — | $36K | 7.24% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL GLOBAL BENEFITS, INC. | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | COMBINED INSURANCE | $105K | — | $105K | 32.43% |
| ENROLLMENT MANAGEMENT SERVICES3 | — | COMBINED INSURANCE | $90K | — | $90K | 27.88% |
| BENEFITS ALL IN LLC3 | — | COMBINED INSURANCE | $15K | — | $15K | 4.55% |
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 | 4,242 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 40 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,282 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY INC. | 4,559 | $13.9M |
| Dental | ANTHEM HEALTH PLANS OF KENTUCKY INC. | 4,559 | $13.9M |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY INC. | 4,559 | $13.9M |
| Life insurance(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMAPANY | 4,505 | $953K |
| Short-term disability | ANTHEM LIFE INSURANCE COMAPANY | 4,505 | $629K |
| Long-term disability | ANTHEM LIFE INSURANCE COMAPANY | 4,505 | $629K |
| Other | COMBINED INSURANCE | 4,208 | $493K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,559 | — |
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.