| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NY-GJK INSURANCE AGENCY3 | 100 WOOD AVE S ISELIN, NJ 083302727 | UNITEDHEALTHCARE INSURANCE COMPANY | $101K | $203K | $304K | 3.32% |
| NY-GJK INSURANCE AGENCY3 Filed as: GJK INSURANCE AGENCY LLC | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | UNITEDHEALTHCARE INSURANCE COMPANY | $31K | — | $31K | 4.83% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL GLOBAL BENEFITS INC. | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | COMBINED INSURANCE | $39K | — | $39K | 7.84% |
| BENEFITS ALL IN LLC3 | — | COMBINED INSURANCE | $32K | — | $32K | 6.44% |
| EOI SERVICE COMPANY INC3 Filed as: EOI | — | COMBINED INSURANCE | $2K | — | $2K | 0.42% |
| BENEFITS ALL INSURANCE, LLC3 Filed as: BENEFITS ALL INC LLC | — | COMBINED INSURANCE | $75K | — | $75K | 18.81% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL GLOBAL BENEFITS INC. | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | COMBINED INSURANCE | $57K | — | $57K | 14.46% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY | — | COMBINED INSURANCE | $11K | — | $11K | 2.76% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS, INC. | — | COMBINED INSURANCE | $754 | — | $754 | 0.19% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATES, LLC | PO BOX 95000 LOCKBOX 1803 PHILADELPHIA, PA 19195 | METLIFE LEGAL PLANS | $4K | — | $4K | 7.35% |
| WORLD INSURANCE ASSOCIATES LLC3 | 685 SHREWSBURY AVENUE SUITE 200 TINTON FALLS, NJ 07701 | METLIFE LEGAL PLANS | $2K | — | $2K | 3.06% |
| 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 | $83K |
| PAUL GLOBAL BENEFITS INC. EIN 26-2276920 INSURANCE AGENT | Insurance agents and brokers Service code 22 | 6851 JERICHO TUNRPIKE SUITE 270 SYOSSET, NY 11791 | $46K |
| KEY BENEFIT ADMINISTRATORS INC. EIN 35-1450364 ADMINISTRATOR | Contract Administrator Service code 13 | 8330 ALLISON POINTE TRAIL INDIANAPOLIS, IN 46250 | $45K |
| RGI EIN 32-0176370 ADMINISTRATOR | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 8330 ALLISON POINTE TRAIL INDIANAPOLIS, IN 46250 | $12K |
| AMERICAN HEALTH DATA INSTITUTE EIN 35-2048379 ADMINISTRATOR | Other fees Service code 99 | 8330 ALLISON POINTE TRAIL INDIANAPOLIS, IN 46250 | $8K |
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 | 4,098 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 3,994 | $9.2M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 11,059 | $634K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 11,059 | $634K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 11,059 | $634K |
| Other(4 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 11,059 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,059 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.