| 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 | $290K | — | $290K | 5.88% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL GLOBAL BENEFITS INC. | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | UNITEDHEALTHCARE INSURANCE COMPANY | $76K | — | $76K | 8.87% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS INC. | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $70K | $10K | $80K | 32.38% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATES, LLC | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $28K | — | $28K | 11.21% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | FLOOR 14B 55 E JACKSON BLVD CHICAGO, IL 60604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 0.61% |
| 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 | $437 | — | $437 | 0.18% |
| BENEFITS ALL IN LLC3 | — | COMBINED INSURANCE | $151K | — | $151K | 85.14% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL GLOBAL BENEFITS INC. | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | COMBINED INSURANCE | $50K | — | $50K | 27.97% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS, INC. | — | COMBINED INSURANCE | $73K | — | $73K | 50.36% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL GLOBAL BENEFITS INC. | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | COMBINED INSURANCE | $42K | — | $42K | 28.77% |
| BENEFITS FOR EVERYONE3 Filed as: BENEFITS FOR ALL, LLC | — | COMBINED INSURANCE | $16K | — | $16K | 10.79% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL GLOBAL BENEFITS INC. | 6851 JERICHO TURPIKE SUITE 270 SYOSSET, NY 11791 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $18K | — | $18K | 14.93% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL GLOBAL BENEFITS INC. | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $1K | $11K | 11.50% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL GLOBAL BENEFITS INC. | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 1.50% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL GLOBAL BENEFITS INC. | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $1K | $8K | 11.50% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL GLOBAL BENEFITS INC. | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $1K | $8K | 11.48% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS INC. | 2977 SIDCO DR NASHVILLE, TN 32704 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $21K | $3K | $23K | 50.57% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATGES, LLC | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7K | — | $7K | 14.83% |
| 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 | $218 | — | $218 | 0.47% |
| 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 | — | $2 | $2 | 0.00% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL GLOBAL BENEFITS, INC. | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | METLIFE LEGAL PLANS | $5K | — | $5K | 15.25% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL GLOBAL BENEFITS INC. | 6851 JERICHO TURNPIKE SUITE 279 SYOSSET, NY 11791 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $372 | $3K | 11.50% |
| 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 | $210K |
| PAUL GLOBAL BENEFITS INC. EIN 26-2276920 INSURANCE AGENT | Insurance agents and brokers Service code 22 | 6851 JERICHO TUNRPIKE SUITE 270 SYOSSET, NY 11791 | $119K |
| KEY BENEFIT ADMINISTRATORS INC. EIN 35-1450364 ADMINISTRATOR | Contract Administrator Service code 13 | 8330 ALLISON POINTE TRAIL INDIANAPOLIS, IN 46250 | $117K |
| EDWARD BASSO II GENERAL AGENT | Insurance agents and brokers Service code 22 | 71146 RIVERSIDE DR COVINGTON, LA 70433 | $49K |
| 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 |
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 | 2,820 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,830 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 657 | $4.9M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 3,707 | $852K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 3,707 | $852K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,646 | $123K |
| Short-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 676 | $168K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 676 | $25K |
| Other(7 contracts, 5 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,646 | $875K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,646 | — |
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."
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.