| 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 | $122K | $111 | $122K | 1.15% |
| BENEFITS ALL IN LLC3 | — | COMBINED INSURANCE | $81K | — | $81K | 13.51% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL GLOBAL BENEFITS INC. | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | COMBINED INSURANCE | $54K | — | $54K | 9.01% |
| BENEFITS ALL INSURANCE, LLC3 Filed as: BENEFITS ALL INC LLC | — | COMBINED INSURANCE | $143K | — | $143K | 27.99% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL GLOBAL BENEFITS INC. | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | COMBINED INSURANCE | $96K | — | $96K | 18.76% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS, INC. | — | COMBINED INSURANCE | $1K | — | $1K | 0.23% |
| WORLD INSURANCE ASSOCIATES LLC3 | PO BOX 95000 LB#1803 PHILADELPHIA, PA 19195 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $23K | $3K | $26K | 11.50% |
| WORLD INSURANCE ASSOCIATES LLC3 | PO BOX 95000 LB#1803 PHILADELPHIA, PA 19195 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 1.50% |
| WORLD INSURANCE ASSOCIATES LLC3 | PO BOX 95000 LB#1903 PHILADELPHIA, PA 19195 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | $2K | $18K | 11.50% |
| WORLD INSURANCE ASSOCIATES LLC3 | PO BOX 95000 LB#1803 PHILADELPHIA, PA 19195 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | $2K | $16K | 11.50% |
| WORLD INSURANCE ASSOCIATES LLC3 | PO BOX 95000 LB#1803 PHILADELPHIA, PA 19195 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $1K | $11K | 11.50% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATES, LLC | 656 SHREWSBURY AVENUE SUITE 200 TINTON FALLS, NJ 07701 | METLIFE LEGAL PLANS | $8K | — | $8K | 9.78% |
| 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 | $126K |
| KEY BENEFIT ADMINISTRATORS INC. EIN 35-1450364 ADMINISTRATOR | Contract Administrator Service code 13 | 8330 ALLISON POINTE TRAIL INDIANAPOLIS, IN 46250 | $80K |
| PAUL GLOBAL BENEFITS INC. EIN 26-2276920 INSURANCE AGENT | Insurance agents and brokers Service code 22 | 6851 JERICHO TUNRPIKE SUITE 270 SYOSSET, NY 11791 | $68K |
| RGI EIN 32-0176370 ADMINISTRATOR | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 8330 ALLISON POINTE TRAIL INDIANAPOLIS, IN 46250 | $18K |
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 | 3,510 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,514 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 4,904 | $10.6M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 4,904 | $10.6M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 4,904 | $10.6M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,510 | $170K |
| Short-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 655 | $369K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 655 | $97K |
| Other(6 contracts, 3 carriers) | COMBINED INSURANCE | 3,510 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,904 | — |
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.