| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL GLOBAL BENEFITS, INC. | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | FOUR EVER LIFE INS. CO | $275K | — | $275K | 1.67% |
| WORLD INSURANCE ASSOCIATES LLC3 | 100 WOOD AVENUE S 4TH FLOOR ISELIN, NJ 08830 | FOUR EVER LIFE INS. CO | $53K | — | $53K | 0.33% |
| NY-GJK INSURANCE AGENCY3 Filed as: GJK INSURANCE AGENCY LLC | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | UNITEDHEALTHCARE INSURANCE COMPANY | $17K | — | $17K | 2.39% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL GLOBAL BENEFITS, INC. | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | COMBINED INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 3.03% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL GLOBAL BENEFITS, INC. | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | COMBINED INSURANCE | $53K | — | $53K | 40.80% |
| WORLD INSURANCE ASSOCIATES LLC3 | PO BOX 95000 LOCKBOX 1803 PHILADELPHIA, PA 19195 | METLIFE LEGAL PLANS | $5K | — | $5K | 4.86% |
| WORLD INSURANCE ASSOCIATES LLC3 | 656 SHREWSBURY AVENUE SUITE 200 TINTON FALLS, NJ 07701 | METLIFE LEGAL PLANS | $5K | — | $5K | 4.86% |
| 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 | $69K |
| SPECTERA, INC EIN 52-1260282 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $13K |
| 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 | 1,746 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 42 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,788 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | FOUR EVER LIFE INS. CO | 1,519 | $16.4M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 1,746 | $726K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 1,746 | $726K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 1,746 | $726K |
| Other(4 contracts, 4 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,746 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,746 | — |
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."
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.