| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORLD INSURANCE ASSOCIATES LLC3 | 1100 NE 163RD ST FLOOR 2 NORTH MIAMI BEACH, FL 33162 | HEALTH OPTIONS | $42K | — | $42K | 4.69% |
| WORLD INSURANCE ASSOCIATES LLC3 | 1100 NE 163RD ST FL 2 NORTH MIAMI BEACH, FL 33162 | BLUE CROSS BLUE SHIELD OF FLORIDA | $40K | — | $40K | 5.51% |
| WORLD INS ASSOC LLC3 | 100 WOOD AVE S 4TH FL ISELIN, NJ 08830 | THE LINCOLN LIFE INSURANCE COMPANY | $12K | $1K | $14K | 21.92% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOC LLC | 100 WOOD AVE S 4TH FLOOR ISELIN, NJ 08830 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $502 | $6K | 10.00% |
| WORLD INS ASSOC LLC3 | 100 WOOD AVE S 4TH FL ISELIN, NJ 08830 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $429 | $4K | 22.28% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INS ASSOCIATES LLC | 100 WOOD AVE SOUTH 4TH FL ISELIN, NJ 08830 | TRANSAMERICA LIFE INSURANCE COMPANY | $980 | — | $980 | 9.30% |
| EXCELSIOR BENEFITS LLC3 Filed as: EXCELSIOR BENEFITSLLC | 441 2ND STREET EXCELSIOR, MN 55331 | TRANSAMERICA LIFE INSURANCE COMPANY | $435 | — | $435 | 4.13% |
| WORLD INS ASSOC LLC3 | 100 WOOD AVE S 4TH FL ISELIN, NJ 08830 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $221 | $2K | 22.12% |
| KELLEY J RHEAULT4 | 155 CONCHA DR SEBASTIAN, FL 32958 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $934 | — | $934 | 13.16% |
| ATEAM CONSULTANTS, LLC4 Filed as: ATEAM CONSULTANTS LLC | 723 OAK MOUNTAIN RD NW KENNESAW, GA 30152 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $127 | — | $127 | 1.79% |
| AKA SOLUTIONS INC4 | 155 CONCHA DR SEBASTIAN, FL 32958 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $90 | — | $90 | 1.27% |
| JOHN BROADBENT4 | 4050 NE 1ST AVE APT 218 OAKLAND PARK, FL 33334 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $31 | — | $31 | 0.44% |
| WORLD INS ASSOC LLC3 | 100 WOOD AVE S 4TH ISELIN, NJ 08830 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $956 | $40 | $996 | 20.84% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INS ASSOCIATES LLC | 100 WOOD AVE S 4TH FL ISELIN, NJ 08830 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $49 | $49 | 1.13% |
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 | 195 | 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) | 195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS | 64 | $1.6M |
| Dental(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 72 | $61K |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY - EYEMED | 126 | $8K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN LIFE INSURANCE COMPANY | 195 | $66K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 70 | $10K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 53 | $19K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS | 64 | $1.6M |
| Other(4 contracts, 4 carriers) | THE LINCOLN LIFE INSURANCE COMPANY | 195 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 195 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.