| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORLD INSURANCE ASSOCIATES LLC3 | PO BOX 95000 MIAMI, FL 33176 | HEALTH OPTIONS | $92K | — | $92K | 5.43% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATES | 14821 S DIXIE HWY MIAMI, FL 33176 | BLUE CROSS BLUE SHIELD OF FLORIDA | $18K | — | $18K | 4.85% |
| WORLD INSURANCE ASSOCIATES LLC3 | 100 S. WOOD AVENUE ISELIN, NJ 08830 | TRANSAMERICA INSURANCE CO. | $18K | — | $18K | 15.86% |
| WEB TPA5 | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | TRANSAMERICA INSURANCE CO. | — | $9K | $9K | 8.06% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA INSURANCE CO. | — | $8K | $8K | 7.17% |
| EXCELSIOR BENEFITS LLC3 Filed as: EXCELSIOR BENEFITSLLC | 441 2ND STREET, EXCELSIOR, MN 55331 | TRANSAMERICA INSURANCE CO. | $2K | — | $2K | 1.32% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE | 1100 NE 163RD ST 2ND FLOOR MIAMI, FL 33162 | TRANSAMERICA INSURANCE CO. | $43 | — | $43 | 0.04% |
| WORLD INSURANCE ASSOCIATES LLC3 | 100 WOOD AVE S 4TH FLOOR ISELIN, NJ 08830 | SOLSTICE BENEFITS, INC | $9K | — | $9K | 10.00% |
| WORLD INS ASSOC LLC3 | 100 WOOD AVE S 4TH FL ISELIN, NJ 08830 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 20.00% |
| WORLD INS ASSOC LLC3 | 100 WOOD AVE S 4TH FL ISELIN, NJ 08830 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 20.00% |
| WORLD INS ASSOC LLC3 | 100 WOOD AVE S 4TH FL ISELIN, NJ 08830 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 20.00% |
| WORLD INS ASSOC LLC3 | 100 WOOD AVE S 4TH FL ISELIN, NJ 08830 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 20.00% |
| WORLD INSURANCE ASSOCIATES LLC3 | 1803 PO BOX 95000 PHILADELPHIA, PA 19195 | EYEMED | $893 | — | $893 | 10.01% |
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 | 228 | 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) | 228 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS | 157 | $2.1M |
| Dental | SOLSTICE BENEFITS, INC | 294 | $86K |
| Vision | EYEMED | 188 | $9K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 228 | $34K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 91 | $41K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 71 | $38K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS | 157 | $2.1M |
| Other(4 contracts, 3 carriers) | TRANSAMERICA INSURANCE CO. | 228 | $154K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 294 | — |
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.