| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORLD INSURANCE ASSOCIATES LLC3 | 1100 NE 163RD ST FL 2 NORTH MIAMI BEACH, FL 33162 | BLUE CROSS BLUE SHIELD OF FLORIDA | $23K | — | $23K | 33.20% |
| WORLD INS ASSOC LLC3 | 100 WOOD AVE SOUTH 4TH FL ISELIN, NJ 08830 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $336 | $4K | 11.03% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE, DIVISION OF WOR | 1100 NE 163RD ST 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | TRANSAMERICA INSURANCE CO. | $3K | — | $3K | 10.63% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA INSURANCE CO. | $3K | — | $3K | 8.80% |
| WEB TPA5 | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | TRANSAMERICA INSURANCE CO. | $2K | — | $2K | 6.43% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATES, LLC | 1700 WEST MT PLEASANT ST WEST BURLINGTON, IA 52655 | TRANSAMERICA INSURANCE CO. | $2K | — | $2K | 5.26% |
| EXCELSIOR BENEFITS LLC3 | 441 2ND STREET EXCELSIOR, MN 55331 | TRANSAMERICA INSURANCE CO. | $427 | — | $427 | 1.33% |
| WORLD INSURANCE ASSOCIATES LLC3 | 1100 NE 163RD ST, FL 2 NORTH MIAMI BEACH, FL 33162 | HEALTH OPTIONS | $10K | — | $10K | 31.71% |
| WORLD INSURANCE ASSOCIATES LLC3 | 100 WOOD AVE SOUTH 4TH FL ISELIN, NJ 08830 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $172 | $2K | 22.10% |
| WORLD INSURANCE ASSOCIATES LLC3 | 100 WOOD AVE SOUTH, 4TH FL ISELIN, NJ 08830 | THE LINCOLN NATIONAL INSURANCE COMPANY | $1K | $132 | $1K | 22.39% |
| WORLD INSURANCE ASSOCIATES LLC3 | 100 WOOD AVE SOUTH, 4TH FL ISELIN, NJ 08830 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $129 | $1K | 22.58% |
| WORLD INSURANCE ASSOCIATES LLC3 | 100 WOOD AVE SOUTH 4TH FL ISELIN, NJ 08830 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $417 | $53 | $470 | 11.28% |
| WORLD INSURANCE ASSOCIATES LLC3 | 100 WOOD AVE SOUTH ISELIN, NJ 08830 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $694 | $76 | $770 | 22.18% |
| WORLD INS ASSOC LLC3 | 100 WOOD AVE SOUTH 4TH ISELIN, NJ 08830 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $298 | $29 | $327 | 10.97% |
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 | 148 | 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) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 35 | $100K |
| Dental(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 58 | $36K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 46 | $4K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 148 | $12K |
| Short-term disability | THE LINCOLN NATIONAL INSURANCE COMPANY | 22 | $6K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 16 | $5K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 35 | $100K |
| Other(3 contracts, 2 carriers) | TRANSAMERICA INSURANCE CO. | 148 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 148 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.