| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORLD INSURANCE ASSOCIATES LLC3 | 100 WOOD AVENUES S ISELIN, NJ 088302727 | UNITEDHEALTHCARE INSURANCE COMPANY | $55K | $0 | $55K | 3.65% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC NJ NY | 1787 SENTRY PKWY W STE 320 BLUE BELL, PA 194222240 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $13K | $13K | 0.88% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 117883914 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $3K | $3K | 0.22% |
| WORLD INSURANCE ASSOCIATES LLC3 | 656 SHREWSBURY AVE, STE 200 TINTON FALLS, NJ 07701 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.97% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W, VEVA 16 STE 320 BLUE BELL, PA 19422 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $2K | $2K | 3.63% |
| WORLD INS ASSOC LLC3 | 2001 GROVE STREET WANTAGH, NY 11793 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 13.86% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W. VEVA 16 BLUE BELL, PA 19422 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $793 | $0 | $793 | 4.05% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $185 | $0 | $185 | 0.95% |
| WORLD INSURANCE ASSOCIATES LLC3 | 100 WOOD AVENUES S, 4TH FL ISELIN, NJ 08830 | VISION SERVICE PLAN | $405 | $0 | $405 | 5.28% |
| WORLD INSURANCE ASSOCIATES LLC3 | LB #1803 PO BOX 95000 PHILADELPHIA, PA 19195 | VISION SERVICE PLAN | $362 | $0 | $362 | 4.72% |
| WORLD INS ASSOC LLC3 | 2001 GROVE STREET WANTAGH, NY 11793 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $507 | $0 | $507 | 11.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W. VEVA 16 BLUE BELL, PA 19422 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $188 | $0 | $188 | 4.08% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $43 | $0 | $43 | 0.93% |
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 | 160 | 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) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 198 | $1.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 110 | $54K |
| Vision | VISION SERVICE PLAN | 99 | $8K |
| Life insurance | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 119 | $5K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 114 | $20K |
| Other | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 119 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 198 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.