| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORLD INSURANCE ASSOCIATES LLC3 | 1100 NE 163RD ST FL 2 NORTH MIAMI BEACH, FL 33162 | HEALTH OPTIONS | $68K | — | $68K | 3.33% |
| WORLD INSURANCE ASSOCIATES LLC3 | 1100 NE 163 STREET NORTH MIAMI BEACH, FL 33162 | BLUE CROSS BLUE SHIELD OF FLORIDA | $55K | — | $55K | 4.16% |
| WORLD INS ASSOC LLC3 | 100 WOOD AVE SOUTH 4TH FL ISELIN, NJ 08830 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | $1K | $15K | 10.86% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOC LLC | 100 WOOD AVE SOUTH 4TH FL ISELIN, NJ 08830 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $607 | $9K | 10.71% |
| WORLD INSURANCE ASSOCIATES LLC3 | 14821 SOUTH DIXIE HIGHWAY MIAMI, FL 33176 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | $1K | $13K | 16.65% |
| WORLD INS ASSOC LLC3 | 100 WOOD AVE S FL 4 ISELIN, NJ 08830 | USABLE LIFE | $13K | — | $13K | 16.95% |
| WORLD INS ASSOC LLC3 | 100 WOOD AVE S FL 4 ISELIN, NJ 08830 | USABLE LIFE | $24K | — | $24K | 33.89% |
| WORLD INS ASSOC LLC3 | 100 WOOD AVE S FL 4 ISELIN, NJ 08830 | USABLE LIFE | $13K | — | $13K | 35.10% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163RD ST MIAMI, FL 33162 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 9.16% |
| WORLD INSURANCE ASSOCIATES LLC3 | 100 WOOD AVE S FL 4 ISELINN, NJ 08830 | USABLE LIFE | $10K | — | $10K | 35.36% |
| WORLD INS ASSOC LLC3 | 100 WOOD AVE S 4 FL ISELIN, NJ 08830 | USABLE LIFE | $1K | — | $1K | 36.97% |
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 | 282 | 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) | 282 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS | 173 | $3.4M |
| Dental(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 188 | $222K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 745 | $29K |
| Life insurance(2 contracts) | USABLE LIFE | 282 | $66K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 282 | $157K |
| Long-term disability | USABLE LIFE | 282 | $71K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS | 173 | $3.4M |
| Other(2 contracts) | USABLE LIFE | 282 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 745 | — |
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.