| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSN CONSULTING GRP | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $704K | — | $704K | 1.72% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATION CONSULT | 11175 CICERO DRIVE SUITE 500 ALPHARETTA, GA 30022 | KAISER FOUNDATION HEALTH PLAN INC | $47K | — | $47K | 2.54% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATION CO | 11175 CICERO DRIVE SUITE 500 ALPHARETTA, GA 30022 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $135K | — | $135K | 10.00% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATION IN | 111 CICERO DRIVE SUITE 500 ALPHARETTA, GA 30022 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $27K | $27K | 2.00% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATION CO | 11175 CICERO DRIVE SUITE 500 ALPHARETTA, GA 30022 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $57K | — | $57K | 10.00% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATION IN | 11175 CICERO DRIVE SUITE 500 ALPHARETTA, GA 30022 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $11K | $11K | 2.00% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATION | 11175 CICERO DRIVE SUITE 500 ALPHARETTA, GA 30022 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $45K | — | $45K | 9.19% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATION CONSULT | 11175 CICERO DRIVE SUITE 500 ALPHARETTA, GA 30022 | KAISER FOUNDATION HEALTH PLAN INC | $9K | — | $9K | 2.44% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATION CO | 11175 CICERO DRIVE SUITE 500 ALPHARETTA, GA 30022 | UNUM INSURANCE COMPANY | $63K | $10K | $73K | 28.01% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATION IN | 11175 CICERO DRIVE SUITE 500 ALPHARETTA, GA 30022 | UNUM INSURANCE COMPANY | — | $14K | $14K | 5.38% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATION CONSULT | 11175 CICERO DRIVE SUITE 500 ALPHARETTA, GA 30022 | ARAG INSURANCE COMPANY | $14K | — | $14K | 10.00% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATION CO | 111 CICERO DRIVE SUITE 500 ALPHARETTA, GA 30022 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 10.00% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATION IN | 11175 CICERO DRIVE SUITE 500 ALPHARETTA, GA 30022 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 2.00% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATION | 11175 CICERO DRIVE SUITE 500 ALPHARETTA, GA 30022 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 8.96% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATION CONSULT | 11175 CICERO DRIVE SUITE 500 ATLANTA, GA 30322 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 12.21% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INS ASSOC CONSULTING CP LLC | 2 RAVANIA DRIVE SUITE 1500 ATLANTA, GA 30346 | COMPANION LIFE INSURANCE | $2K | — | $2K | 9.83% |
| MITCH BESVINICK3 | 1280 BRIGHTON WAY NEW TOWN SQUARE, PA 19073 | COMPANION LIFE INSURANCE | $1K | — | $1K | 4.90% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATION | 11175 CICERO DRIVE SUITE 500 ALPHARETTA, GA 30022 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 12.50% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATION IN | 11175 CICERO DRIVE SUITE 500 ALPHARETTA, GA 30022 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $106 | $106 | 2.00% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATION CONSULT | 11175 CICERO DRIVE SUITE 500 ALPHARETTA, GA 30022 | FIRST UNUM LIFE INSURANCE COMPANY | $771 | — | $771 | 20.90% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATION CO | 11175 CICERO DRIVE SUITE 500 ALPHARETTA, GA 30022 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $343 | — | $343 | 9.99% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATION CONSULT | 11175 CICERO DRIVE SUITE 500 ALPHARETTA, GA 30022 | FIRST UNUM LIFE INSURACE COMPANY | $349 | — | $349 | 14.49% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATION | 11175 CICERO DRIVE SUITE 500 ALPHARETTA, GA 30022 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $216 | — | $216 | 9.99% |
No Schedule C service providers reported on this filing.
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 | 6,219 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,219 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 5,972 | $43.2M |
| Dental(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 5,972 | $40.9M |
| Vision(4 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 5,972 | $41.4M |
| Life insurance(6 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,493 | $799K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,163 | $1.4M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,163 | $1.4M |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 5,972 | $40.9M |
| Other(12 contracts, 11 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 32,056 | $42.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 32,056 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.