| 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 | $757K | — | $757K | 1.78% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATION CONSULT | 11175 CICERO DRIVE SUITE 500 ALPHARETTA, GA 30022 | KAISER FOUNDATION HEALTH PLAN INC | $69K | — | $69K | 3.17% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATION IN | 111 CICERO DRIVE SUITE 500 ALPHARETTA, GA 30022 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $130K | $26K | $156K | 12.00% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATION CONSULT | 11175 CICERO DRIVE SUITE 500 ALPHARETTA, GA 30022 | KAISER FOUNDATION HEALTH PLAN INC | $12K | — | $12K | 1.17% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATION IN | 11175 CICERO DRIVE SUITE 500 ALPHARETTA, GA 30022 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $37K | $7K | $44K | 12.00% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATION | 11175 CICERO DRIVE SUITE 500 ALPHARETTA, GA 30022 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $12K | — | $12K | 7.56% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATION CONSULT | 11175 CICERO DRIVE SUITE 500 ALPHARETTA, GA 30022 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $22K | — | $22K | 15.96% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATION | 11175 CICERO DRIVE SUITE 500 ALPHARETTA, GA 30022 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | — | $7K | 6.38% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | — | $7K | 6.12% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATION CONSULT | 11175 CICERO DRIVE SUITE 500 ALPHARETTA, GA 30022 | ARAG INSURANCE COMPANY | $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 | $6K | $1K | $7K | 12.00% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATION CONSULT | 11175 CICERO DRIVE SUITE 500 ATLANTA, GA 30322 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 9.35% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 1 INVESTORS WAY NORWOOD, MA 02062 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $595 | $106 | $701 | 5.60% |
| 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 | $658 | — | $658 | 5.25% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATION | 11175 CICERO DRIVE SUITE 500 ALPHARETTA, GA 30022 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $590 | — | $590 | 5.20% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $543 | — | $543 | 4.79% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATION | 11175 CICERO DRIVE SUITE 500 ALPHARETTA, GA 30022 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $498 | — | $498 | 7.13% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATION CONSULT | 11175 CICERO DRIVE SUITE 500 ALPHARETTA, GA 30022 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | — | $1K | 20.82% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATI | 11175 CICERO DRIVE SUITE 500 ALPHARETTA, GA 30022 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $110 | $110 | 2.00% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSICIATION CONSULT | 2 RAVINIA DRIVE SUITE 1500 ATLANTA, GA 30346 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $575 | — | $575 | 14.99% |
| 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 | 108.51% |
| MITCH BESVINICK3 | 1280 BRIGHTON WAY NEW TOWN SQUARE, PA 19073 | COMPANION LIFE INSURANCE | $1K | — | $1K | 54.23% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INS ASSOCIATION INC | 11175 CICERO DRIVE SUITE 500 ALPHARETTA, GA 30022 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14 | — | $14 | 3.37% |
| CATO WHALEN INSURANCE LLC3 | 1281 NORTH UNIVERSITY DRIVE CORAL SPRINGS, FL 33071 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.72% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INS ASSN CONSULTING GRP | 2 RAVINIA DRIVE SUITE 1500 ATLANTA, GA 30346 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.72% |
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 | 4,786 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 231 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,024 | 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 | 5,755 | $46.0M |
| Dental(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 5,755 | $42.6M |
| Vision(4 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 5,796 | $42.8M |
| Life insurance(7 contracts, 5 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,926 | $540K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,308 | $1.3M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,308 | $1.3M |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 5,755 | $42.6M |
| Other(14 contracts, 10 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 32,056 | $43.4M |
| 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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.