| 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 117914454 | UNITEDHEALTHCARE INSURANCE COMPANY | $99K | $417K | $516K | 6.58% |
| BENEFITS ALL IN LLC3 | — | COMBINED INSURANCE | $155K | — | $155K | 26.35% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL GLOBAL BENEFITS INC. | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | COMBINED INSURANCE | $142K | — | $142K | 24.19% |
| BENEFITS FOR EVERYONE3 Filed as: BENEFITS FOR ALL, LLC | — | COMBINED INSURANCE | $246K | — | $246K | 45.00% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL GLOBAL BENEFITS INC. | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | COMBINED INSURANCE | $169K | — | $169K | 30.89% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS, INC. | — | COMBINED INSURANCE | $11K | — | $11K | 2.08% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL GLOBAL BENEFITS INC. | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | $7K | $20K | 12.46% |
| WORLD INSURANCE ASSOCIATES LLC3 | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 117914454 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $397 | $3K | 1.91% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL GLOBAL BENEFITS, INC. | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 117914454 | METLIFE LEGAL PLANS | $5K | $29 | $5K | 5.15% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATES, LLC | 656 SHREWSBURY AVENUE SUITE 200 TINTON FALLS, NJ 07701 | METLIFE LEGAL PLANS | $4K | $3 | $4K | 3.72% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | PO BOX 905494 CHARLOTTE, NC 282905494 | METLIFE LEGAL PLANS | — | $55 | $55 | 0.05% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL GLOBAL BENEFITS INC. | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $5K | $5K | 5.30% |
| WORLD INSURANCE ASSOCIATES LLC3 | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 117914454 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $282 | $282 | 0.32% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL GLOBAL BENEFITS INC. | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $4K | $10K | 14.04% |
| WORLD INSURANCE ASSOCIATES LLC3 | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 117914454 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $249 | $2K | 2.78% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL GLOBAL BENEFITS INC. | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $4K | $9K | 14.49% |
| WORLD INSURANCE ASSOCIATES LLC3 | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 117914454 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $223 | $2K | 2.76% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL GLOBAL BENEFITS INC. | 6851 JERICHO TURNPIKE SUITE 279 SYOSSET, NY 11791 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $2K | $4K | 10.20% |
| WORLD INSURANCE ASSOCIATES LLC3 | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 117914454 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $229 | $2K | 4.01% |
| 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 | $174K |
| KEY BENEFIT ADMINISTRATORS INC. EIN 35-1450364 ADMINISTRATOR | Contract Administrator Service code 13 | 8330 ALLISON POINTE TRAIL INDIANAPOLIS, IN 46250 | $118K |
| PAUL GLOBAL BENEFITS INC. EIN 26-2276920 INSURANCE AGENT | Insurance agents and brokers Service code 22 | 6851 JERICHO TUNRPIKE SUITE 270 SYOSSET, NY 11791 | $96K |
| 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 | $21K |
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 | 4,381 | 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) | 4,395 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 3,610 | $7.9M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 3,610 | $7.8M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 3,610 | $7.8M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,341 | $87K |
| Short-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 766 | $228K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 764 | $44K |
| Other(6 contracts, 3 carriers) | COMBINED INSURANCE | 4,402 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,402 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.