| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAUL GLOBAL BENEFITS INC3 | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | FOUR EVER LIFE INS CO | $181K | — | $181K | 10.05% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL GLOBAL BENEFITS, INC. | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | COMBINED INSURANCE | $13K | — | $13K | 35.40% |
| WORLD INSURANCE ASSOCIATES LLC3 | PO BOX 95000 LB# 1803 PHILADELPHIA, PA 19195 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 5.60% |
| WORLD INSURANCE ASSOCIATES LLC3 | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE ST MORRIS, IL 60450 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 5.91% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATES, LLC | PO BOX 95000 LB 1803 PHILADELPHIA, PA 19195 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 5.98% |
| WORLD INSURANCE ASSOCIATES LLC3 | 656 SHREWSBURY AVENUE SUITE 200 TINTON FALLS, NJ 07701 | METLIFE LEGAL PLANS | $2K | $269 | $2K | 11.43% |
| WORLD INSURANCE ASSOCIATES LLC3 | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $679 | $679 | 5.65% |
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 | 275 | 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) | 277 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | FOUR EVER LIFE INS CO | 594 | $1.8M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 242 | $29K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 241 | $27K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 242 | $20K |
| Other(4 contracts, 3 carriers) | COMBINED INSURANCE | 242 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 594 | — |
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.