| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NY-GJK INSURANCE AGENCY3 | 100 WOOD AVENUE S ISELIN, NJ 088302727 | UNITEDHEALTHCARE INSURANCE COMPANY | $50K | — | $50K | 4.08% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL GLOBAL BENEFITS, INC. | PO BOX 95000 LB#1803 PHILADELPHIA, PA 191950001 | UNITEDHEALTHCARE INSURANCE COMPANY | $23K | — | $23K | 1.90% |
| PAUL GLOBAL BENEFITS INC3 | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 117914454 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | — | $7K | 9.98% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INS. ASSOCIATES LLC | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | HARTFORD LIFE AND ACCIDENT | $6K | — | $6K | 9.38% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD 2ND FLOOR HAUPPAUGE, NY 11788 | HARTFORD LIFE AND ACCIDENT | — | $4K | $4K | 5.33% |
| PAUL GLOBAL BENEFITS INC3 | 6851 JERICHO TURNPIKE SUITE 270 SYSOSET, NY 117914454 | UNITEDHEALTHCARE INSURANCE COMPANY | $574 | — | $574 | 9.93% |
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 | 154 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 112 | $1.2M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 207 | $72K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 207 | $6K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 154 | $68K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 154 | $68K |
| Other | HARTFORD LIFE AND ACCIDENT | 154 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 207 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.