| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MANOJ K PAUL3 | 6851 JERICHO TURNPIKE S270 SYOSSES, NY 11791 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $37K | — | $37K | 1.32% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL GLOBAL BENEFITS, INC. | 6851 JERICHO TPKE SYOSSET, NY 10464 | AETNA LIFE INSURANCE COMPANY | $35K | $16K | $51K | 16.16% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL GLOBAL BENEFITS, INC. | 6851 JERICHO TPKE SYOSSET, NY 10464 | AETNA LIFE INSURANCE COMPANY | $14K | $5K | $19K | 8.29% |
| PAUL GLOBAL BENEFITS INC3 | 6851 JERICHO TPKE STE 270 SYOSSET, NY 11791 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | — | $14K | 7.52% |
| PAUL GLOBAL BENEFITS INC3 | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $25K | — | $25K | 24.68% |
| PAUL GLOBAL BENEFITS INC3 | 6851 JERICHO TURNPIKE STE 270 SYOSSET, NY 11791 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $1K | — | $1K | 10.14% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL GLOBAL BENEFITS, INC. | 6851 JERICHO TPKE SUITE 270 SYOSSET, NY 11791 | AETNA INTERNATIONAL | $143 | — | $143 | 10.02% |
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 | 382 | 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) | 385 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 808 | $3.4M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 760 | $190K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 760 | $190K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 382 | $103K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 382 | $103K |
| Prescription drug(3 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 808 | $3.4M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 760 | $203K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 808 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.