| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL GLOBAL BENEFITS INC. | 6851 JERICHO TURPIKE SYOSSET, NY 11791 | AETNA LIFE INSURANCE COMPANY | $110K | — | $110K | 3.89% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL GLOBAL BENEFITS INC. | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $47K | — | $47K | 4.82% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $30K | — | $30K | 3.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH | 300 CONCOURSE BLVD SUITE 300 RIDGELAND, MS 39157 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $512 | — | $512 | 0.05% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS INC. | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $163K | $24K | $187K | 37.12% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3501 N CAUSEWAY BLVD SUITE 300 METAIRIE, LA 70002 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $33K | — | $33K | 6.54% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL GLOBAL BENEFITS, INC. | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $30K | — | $30K | 6.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATOINAL MIDWEST LIMITED | 3501 N CAUSEWAY BLVD SUITE 300 METARIE, LA 70002 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 0.75% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 1120 SANCTUARY PARKWAY SUITE 300 ALPHARETTA, GA 30009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 0.63% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. HQ | 1301 DOVE STREET SUITE 200 NEWPORT BEACH, CA 92660 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $5 | $5 | 0.00% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS INC. | 2977 SIDCO DR NASHVILLE, TN 32704 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $135K | $18K | $153K | 53.40% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL GLOBAL BENEFITS, INC. | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $27K | — | $27K | 9.40% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | SUITE 300 3510 N CAUSEWAY BLVD METAIRE, LA 70002 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $24K | — | $24K | 8.52% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH LTD | SUITE 300 3510 N CAUSEWAY BLVD METAIRE, LA 70002 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $2K | $2K | 0.77% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL GLOBAL BENEFITS INC. | 6851 JERICHO TURPIKE SUITE 270 SYOSSET, NY 11791 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | — | $4K | 6.25% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N CAUSEWAY BLVD SUITE 300 METARIE, LA 70002 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 1.56% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $485 | — | $485 | 0.76% |
| 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 | $185K |
| PAUL GLOBAL BENEFITS INC. EIN 26-2276920 INSURANCE AGENT | Insurance agents and brokers Service code 22 | 6851 JERICHO TUNRPIKE SUITE 270 SYOSSET, NY 11791 | $90K |
| KEY BENEFIT ADMINISTRATORS INC. EIN 35-1450364 ADMINISTRATOR | Contract Administrator Service code 13 | 8330 ALLISON POINTE TRAIL INDIANAPOLIS, IN 46250 | $80K |
| EDWARD BASSO II GENERAL AGENT | Insurance agents and brokers Service code 22 | 71146 RIVERSIDE DR COVINGTON, LA 70433 | $51K |
| RGI LLC EIN 32-0176370 RECORDKEEPER | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 8330 ALLISON POINTE TRAIL INDIANAPOLIS, IN 46250 | $29K |
| MULTIPLAN EIN 35-2048379 ADMINISTRATOR | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 115 5TH AVENUE 7TH FLOOR NEW YORK, NY 10003 | $24K |
| HUB INTERNATIONAL MIDWEST LTD EIN 35-0672425 INSURANCE AGENT | Insurance agents and brokers Service code 22 | 3510 N CAUSEWAY BLVD SUITE 300 METAIRIE, LA 70002 | $19K |
| AMERIAN HEALTH DATA INSTITUTE EIN 35-2048379 ADMINISTRATOR | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 8330 ALLISON POINTE TRAIL INDIANAPOLIS, IN 46250 | $3K |
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 | 3,074 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,088 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 1,003 | $2.8M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 3,074 | $985K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 3,074 | $985K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 3,074 | $1.3M |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 3,074 | $985K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 3,074 | $985K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 5,374 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,374 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.