| 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 | $29K | — | $29K | 10.00% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL GLOBAL BENEFITS, INC. | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | COMBINED INSURANCE | $13K | — | $13K | 30.23% |
| WORLD INSURANCE ASSOCIATES LLC3 | PO BOX 95000 LB# 1803 PHILADELPHIA, PA 19195 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 6.26% |
| WORLD INSURANCE ASSOCIATES LLC3 | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE ST MORRIS, IL 60450 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 6.28% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATES, LLC | PO BOX 95000 LB 1803 PHILADELPHIA, PA 19195 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.65% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 6.27% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATES | PO BOX 95000 LOCKBOX 1803 PH, PA 19195 | METLIFE LEGAL PLANS | $966 | — | $966 | 5.07% |
| WORLD INSURANCE ASSOCIATES LLC3 | 656 SHREWSBURY AVENUE SUITE 200 TINTON FALLS, NJ 07701 | METLIFE LEGAL PLANS | $934 | — | $934 | 4.90% |
| 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 | — | $879 | $879 | 6.32% |
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 | 260 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 261 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | FOUR EVER LIFE INS CO | 32 | $290K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 260 | $48K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 248 | $31K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 242 | $23K |
| Other(4 contracts, 3 carriers) | COMBINED INSURANCE | 297 | $109K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 297 | — |
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.