| 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 10464 | AETNA LIFE INSURANCE COMPANY | $97K | $33K | $129K | 9.26% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL GLOBAL BENEITS INC | 6851 JERICHO TURPIKE SUITE 270 ASYOSSET, NY 11791 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $11K | — | $11K | 9.90% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL GLOBAL BENEFITS INC. | 6851 JERICHO TURNPIKE SUITE 270 SYOSSEET, NY 11791 | SUN LIFE AND HEALTH INSURANCE COMPANY (US) | $7K | — | $7K | 7.43% |
| PAUL GLOBAL BENEFITS INC3 | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 117914494 | VISION SERVICE PLAN | $674 | — | $674 | 6.11% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL GLOBAL BENEFITS, INC. | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | SUN LIFE AND HEALTH INSURANCE COMPANY (US) | $125 | — | $125 | 3.72% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL GLOBAL BENEFITS INC. | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | CIGNA DENTAL HEALTH OF CALIFORNIA INC. | $286 | — | $286 | 9.99% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL GLOBAL BENEFITS INC. | 6851 JERICHO TURNPIKE SYOSSET, NY 11791 | AETNA LIFE INSURANCE COMPANY | $4 | — | $4 | 0.19% |
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 | 188 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 204 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | AETNA LIFE INSURANCE COMPANY | 151 | $1.4M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH & LIFE INSURANCE COMPANY | 187 | $113K |
| Vision | VISION SERVICE PLAN | 84 | $11K |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY (US) | 188 | $88K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY (US) | 188 | $88K |
| Other(2 contracts) | SUN LIFE AND HEALTH INSURANCE COMPANY (US) | 188 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.