| 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. | $820K | — | $820K | 4.17% |
| TRIGAURD INSURANCE SERVICES LLC3 | 5126 CLARETON DRICVE SUITE 203 AGOURA HILLS, CA 91301 | BLUE SHIELD OF CALIFORNIA | $6K | $41K | $47K | 4.21% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL GLOBAL BENEFITS, INC. | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 117914454 | BLUE SHIELD OF CALIFORNIA | $3K | $22K | $25K | 2.27% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS. SVCS INC. | 32110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | BLUE SHIELD OF CALIFORNIA | $23K | — | $23K | 2.10% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL GLOBAL BENEFITS, INC. | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | ANTHEM LIFE INSURANCE COMAPANY | $110K | — | $110K | 10.03% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL GLOBAL BENEFITS, INC. | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | COMBINED INSURANCE | $123K | — | $123K | 24.45% |
| ENROLLMENT MANAGEMENT SERVICES3 | — | COMBINED INSURANCE | $120K | — | $120K | 23.84% |
| BENEFITS ALL IN LLC3 | — | COMBINED INSURANCE | $3K | — | $3K | 0.61% |
| ENROLLMENT SOLUTIONS LTD3 Filed as: ENROLLMENT MANAGEMENT SERVICE | — | COMBINED INSURANCE | $88K | — | $88K | 22.95% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL GLOBAL BENEFITS, INC. | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | COMBINED INSURANCE | $88K | — | $88K | 22.94% |
| WORLD INSURANCE ASSOCIATES LLC3 | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 117914454 | METLIFE LEGAL PLANS | $4K | — | $4K | 10.01% |
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 | 3,219 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 117 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,336 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | ANTHEM HEALTH PLANS OF KENTUCKY INC. | 3,338 | $21.4M |
| Dental(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF KENTUCKY INC. | 3,338 | $20.8M |
| Vision(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF KENTUCKY INC. | 3,338 | $20.8M |
| Life insurance(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMAPANY | 908 | $1.6M |
| Short-term disability | ANTHEM LIFE INSURANCE COMAPANY | 636 | $1.1M |
| Long-term disability | ANTHEM LIFE INSURANCE COMAPANY | 636 | $1.1M |
| Prescription drug | BLUE SHIELD OF CALIFORNIA | 167 | $1.1M |
| Other(2 contracts, 2 carriers) | COMBINED INSURANCE | 3,179 | $424K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,338 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.