| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORLD INSURANCE ASSOCIATES LLC3 | 100 WOOD AVENUE SOUTH ISELIN, NJ 08830 | UNITEDHEALTHCARE INSURANCE COMPANY | $262K | — | $262K | 3.39% |
| FNA INSURANCE SERVICES INC3 | 401 BROADHOLLOW ROAD SUITE 303 MELVILLE, NY 11747 | UNITEDHEALTHCARE INSURANCE COMPANY | $46K | — | $46K | 0.59% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INS SERVICES INC | 401 BROADHOLLOW ROAD FLOOR 3 SUITE 303 MELVILLE, NY 11747 | METROPOLITAN LIFE INSURANCE COMPANY | $39K | — | $39K | 5.30% |
| WORLD INSURANCE ASSOCIATES LLC3 | 100 WOOD AVENUE SOUTH FLOOR 4 ISELIN, NJ 08830 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $13K | $28K | 3.76% |
| WORLD INS ASSOC LLC3 | PO BOX PO BOX 95000 LOCKBOX 1803 PHILADELPHIA, PA 19195 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $11 | $14K | 1.93% |
| WORLD INSURANCE ASSOCIATES LLC3 | 100 WOOD AVENUE SOUTH 4TH FLOOR ISELIN, NJ 08830 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $614 | $2K | 8.88% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INS SERVICES INC | 401 BROADHOLLOW ROAD FLOOR 3 SUITE 303 MELVILLE, NY 11747 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 4.94% |
| WORLD INS ASSOC LLC3 | PO BOX PO BOX 95000 LOCKBOX 1803 PHILADELPHIA, PA 19195 | METROPOLITAN LIFE INSURANCE COMPANY | $928 | $11 | $939 | 3.62% |
| WORLD INSURANCE ASSOCIATES LLC3 | PO BOX 95000 LOCK BOX 1803 PHILADELPHIA, PA 19195 | METLIFE LEGAL PLANS | $2K | — | $2K | 10.00% |
| WORLD INSURANCE ASSOCIATES LLC3 | 100 WOOD AVENUE SOUTH FLOOR 4 ISELIN, NJ 08830 | METROPOLITAN LIFE INSURANCE COMPANY | $735 | $11 | $746 | 6.27% |
| FNA INSURANCE SERVICES INC3 | 401 BROADHOLLOW ROAD FLOOR 3 SUITE 303 MELVILLE, NY 11747 | METROPOLITAN LIFE INSURANCE COMPANY | $538 | — | $538 | 4.52% |
| WORLD INS ASSOC LLC3 | PO BOX PO BOX 95000 PHILADELPHIA, PA 19195 | METROPOLITAN LIFE INSURANCE COMPANY | $341 | $11 | $352 | 2.96% |
| WORLD INSURANCE ASSOCIATES LLC3 | 100 WOOD AVENUE SOUTH FLOOR 4 ISELIN, NJ 08830 | METROPOLITAN LIFE INSURANCE COMPANY | $695 | $11 | $706 | 6.06% |
| FNA INSURANCE SERVICES INC3 | 401 BROADHOLLOW ROAD FLOOR 3 SUITE 303 MELVILLE, NY 11747 | METROPOLITAN LIFE INSURANCE COMPANY | $531 | — | $531 | 4.56% |
| WORLD INS ASSOC LLC3 | PO BOX PO BOX 95000 LOCKBOX 1803 PHILADELPHIA, PA 19195 | METROPOLITAN LIFE INSURANCE COMPANY | $367 | $11 | $378 | 3.24% |
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 | 480 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 483 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 585 | $7.7M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 673 | $732K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 673 | $732K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 673 | $732K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 673 | $732K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 673 | $732K |
| Other(5 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 673 | $805K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 673 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.