| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORLD INSURANCE ASSOCIATES LLC3 | PO BOX 95000 PHILADELPHIA, PA 191950000 | AETNA LIFE INSURANCE CO. | $8K | $128K | $136K | 6.91% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE | 1100 NE 163RD ST 2ND FLOOR MIAMI, FL 33162 | TRANSAMERICA INSURANCE CO. | $11K | — | $11K | 9.45% |
| WEB TPA5 | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | TRANSAMERICA INSURANCE CO. | $9K | — | $9K | 8.04% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA INSURANCE CO. | $8K | — | $8K | 7.19% |
| WORLD INSURANCE ASSOCIATES LLC3 | 1700 WEST MT PLEASANT ST WEST BURLINGTON, IA 52655 | TRANSAMERICA INSURANCE CO. | $7K | — | $7K | 6.44% |
| EXCELSIOR BENEFITS LLC3 Filed as: EXCELSIOR BENEFITSLLC | 23505 SMITHTOWN RD STE 200 EXCELSIOR, MN 55331 | TRANSAMERICA INSURANCE CO. | $2K | — | $2K | 1.32% |
| WORLD INS ASSOC LLC3 | PO BOX 95000 PHILADELPHIA, PA 191950001 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $616 | $8K | 21.59% |
| WORLD INS ASSOC LLC3 | PO BOX 95000 PHILADELPHIA, PA 19195 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $582 | $8K | 21.57% |
| WORLD INS ASSOC LLC3 | PO BOX 95000 PHILADELPHIA, PA 19195 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $293 | $4K | 21.63% |
| WORLD INS ASSOC LLC3 | PO BOX 95000 PHILADELPHIA, PA 191950001 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $229 | $3K | 21.55% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE & ASSOC INC | 1100 NE 163RD ST 2ND FL NORTH MIAMI BEACH, FL 33162 | PROFESSIONAL INSURANCE COMPANY | $1K | — | $1K | 32.41% |
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 | 225 | 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) | 225 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 275 | $2.0M |
| Dental | AETNA LIFE INSURANCE CO. | 275 | $2.0M |
| Vision | AETNA LIFE INSURANCE CO. | 275 | $2.0M |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 225 | $33K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 89 | $37K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 75 | $39K |
| Other(5 contracts, 4 carriers) | TRANSAMERICA INSURANCE CO. | 225 | $153K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 275 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.