| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATION | 2 RAVINA STE 1500 ATLANTA, GA 30346 | GENWORTH LIFE INSURANCE COMPANY | $7K | — | $7K | 2.97% |
| NICOLE K. GURLEY3 | 38972 N 58TH STREET CAVE CREEK, AZ 85331 | GENWORTH LIFE INSURANCE COMPANY | $5K | — | $5K | 1.98% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATION | 2 RAVINA STE 1500 ATLANTA, GA 30346 | GENWORTH LIFE INSURANCE COMPANY | $8K | — | $8K | 17.36% |
| NICOLE K. GURLEY3 | 38972 N 58TH STREET CAVE CREEK, AZ 85331 | GENWORTH LIFE INSURANCE COMPANY | $6K | — | $6K | 12.32% |
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 | 285 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 285 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other(2 contracts) | GENWORTH LIFE INSURANCE COMPANY | 254 | $283K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 254 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.