| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NY-GJK INSURANCE AGENCY3 | 100 WOOD AVE S ISELIN, NJ 083302727 | UNITEDHEALTHCARE INSURANCE COMPANY | $101K | $181K | $282K | 3.36% |
| GJK INSURANCE AGENCY LLC DBA WORLD3 | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | UNITEDHEALTHCARE INSURANCE COMPANY | $64K | — | $64K | 10.00% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY LLC | — | COMBINED INSURANCE | $55K | — | $55K | 10.19% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATES, LLC | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | COMBINED INSURANCE | $47K | — | $47K | 8.73% |
| BENEFITS ALL IN LLC3 | — | COMBINED INSURANCE | $16K | — | $16K | 2.88% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY | — | COMBINED INSURANCE | $107K | — | $107K | 23.36% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATES | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | COMBINED INSURANCE | $79K | — | $79K | 17.11% |
| BENEFITS ALL INSURANCE, LLC3 Filed as: BENEFITS ALL INC LLC | — | COMBINED INSURANCE | $10K | — | $10K | 2.22% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS, INC. | — | COMBINED INSURANCE | $586 | — | $586 | 0.13% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATES, LLC | PO BOX 95000 LOCKBOX 1803 PHILADELPHIA, PA 19195 | METLIFE LEGAL PLANS | $7K | — | $7K | 36.57% |
| WORLD INSURANCE ASSOCIATES LLC3 | 685 SHREWSBURY AVENUE SUITE 200 TINTON FALLS, NJ 07701 | METLIFE LEGAL PLANS | — | $8 | $8 | 0.04% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CERPASS RX EIN 73-1700173 ADMINISTRATOR | Contract Administrator Service code 13 | 5904 STONE CREEK DRIVE SUITE 120 THE COLONY, TX 75056 | $97K |
| KEY BENEFIT ADMINISTRATORS INC. EIN 35-1450364 ADMINISTRATOR | Contract Administrator Service code 13 | 8330 ALLISON POINTE TRAIL INDIANAPOLIS, IN 46250 | $57K |
| WORLD INSURANCE ASSOCIATES LLC EIN 45-3601219 INSURANCE BROKER | Insurance brokerage commissions and fees Service code 53 | 100 WOOD AVE S 4TH FLOOR ISELIN, NJ 08830 | $46K |
| RGI EIN 32-0176370 ADMINISTRATOR | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 8330 ALLISON POINTE TRAIL INDIANAPOLIS, IN 46250 | $15K |
| AMERICAN HEALTH DATA INSTITUTE EIN 35-2048379 ADMINISTRATOR | Other fees Service code 99 | 8330 ALLISON POINTE TRAIL INDIANAPOLIS, IN 46250 | $10K |
| PAUL GLOBAL BENEFITS INC. EIN 26-2276920 INSURANCE AGENT | Insurance agents and brokers Service code 22 | 6851 JERICHO TUNRPIKE SUITE 270 SYOSSET, NY 11791 | $4K |
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 | 5,508 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,519 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 3,977 | $8.4M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 5,508 | $641K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 5,508 | $641K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 5,508 | $641K |
| Other(4 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 5,508 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,508 | — |
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.