| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATES, LLC | 100 WOOD AVENUE SOUTH 4TH FLOOR ISELIN, NJ 08830 | FOUR EVER LIFE INS. CO | $353K | — | $353K | 2.00% |
| NY-GJK INSURANCE AGENCY3 Filed as: GJK INSURANCE AGENCY LLC | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | UNITEDHEALTHCARE INSURANCE COMPANY | $98K | — | $98K | 12.68% |
| PAUL GLOBAL BENEFITS INC3 Filed as: WORLD INS ASSOC (PAUL GLOBAL) | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | COMBINED INSURANCE COMPANY OF AMERICA | $40K | — | $40K | 14.67% |
| WORLD INSURANCE ASSOCIATES LLC3 | 100 WOOD AVENUE SOUTH 4TH FLOOR ISELIN, NJ 08830 | COMBINED INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 4.76% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | — | COMBINED INSURANCE COMPANY OF AMERICA | $355 | — | $355 | 0.13% |
| BENEFITS ALL INSURANCE, LLC3 Filed as: BENEFITS ALL INSURANCE LLC | — | COMBINED INSURANCE COMPANY OF AMERICA | $53 | — | $53 | 0.02% |
| MS BENEFITS3 | — | COMBINED INSURANCE COMPANY OF AMERICA | $28 | — | $28 | 0.01% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 Filed as: STEVEN RIGGS | — | COMBINED INSURANCE COMPANY OF AMERICA | $13 | — | $13 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | — | COMBINED INSURANCE COMPANY OF AMERICA | $7 | — | $7 | 0.00% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL GLOBAL BENEFITS, INC. | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | COMBINED INSURANCE | $55K | — | $55K | 37.24% |
| WORLD INSURANCE ASSOCIATES LLC3 | PO BOX 95000 LOCKBOX 1803 PHILADELPHIA, PA 19195 | METLIFE LEGAL PLANS | $10K | $1K | $11K | 11.88% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE INSURANCE CO. EIN 41-2014834 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | C/O DENTAL BENEFIT PROVIDERS, INC. PO BOX 1459 MINNEAPOLIS, MN 55440 | $70K |
| PAUL GLOBAL BENEFITS, INC. EIN 26-2276920 BROKER | Other fees Service code 99 | 6851 JERICHO TURNPIKE SYOSSET, NY 11791 | $6K |
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 | 1,710 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 33 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,743 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | FOUR EVER LIFE INS. CO | 2,204 | $17.7M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 3,683 | $776K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 3,683 | $776K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 3,683 | $776K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 3,683 | $776K |
| Other(4 contracts, 4 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 3,683 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,683 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.