| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL GLOBAL BENEFITS INC. | 6851 JERICHO TPKE SUITE 270 SYOSSET, NY 117914454 | UNITED HEALTHCARE INSURANCE COMPANY | $110K | $0 | $110K | 5.81% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 3600 NORTH CAPITAL OF TEXAS HWY SUITE 200B AUSTIN, TX 787463210 | UNITED HEALTHCARE INSURANCE COMPANY | $27K | $0 | $27K | 1.40% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL GLOBAL BENEFITS INC. | 6851 JERICHO TPKE SUITE 270 SYOSSET, NY 11791 | UNITED HEALTHCARE INSURANCE COMPANY | $95K | $0 | $95K | 6.15% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL GLOBAL BENEFITS INC. | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $13K | $13K | 4.94% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL GLOBAL BENEFITS INC. | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 7.40% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 3600 NORTH CAPITAL OF TEXAS HWY #B200 AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.60% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL GLOBAL BENEFITS INC. | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 7.43% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 3600 NORTH CAPITAL OF TEXAS HWY #B200 AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.57% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL GLOBAL BENEFITS INC. | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $3K | $9K | 16.48% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 3600 NORTH CAPITAL OF TEXAS HWY #B200 AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.25% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL GLOBAL BENEFITS INC. | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $2K | $6K | 10.39% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 3600 NORTH CAPITAL OF TEXAS HWY #B200 AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.58% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL GLOBAL BENEFITS INC. | 6851 JERICHO TPKE SUITE 270 SYOSSET, NY 117914454 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $29 | $3K | 7.47% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 701 B STREET FLOOR 6 SAN DIEGO, CA 921018156 | METROPOLITAN LIFE INSURANCE COMPANY | $614 | $55 | $669 | 1.69% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 5444 WESTHEIMER RD SUITE 900 HOUSTON, TX 770565306 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $77 | $77 | 0.19% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 5444 WESTHEIMER RD SUITE 900 HOUSTON, TX 770565306 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3 | $3 | 0.01% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL GLOBAL BENEFITS INC. | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $0 | $5K | 20.00% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL GLOBAL BENEFITS INC. | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $315 | $2K | 13.41% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 3600 NORTH CAPITAL OF TEXAS HWY SUITE B200 AUSTIN, TX 78746 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 8.94% |
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 | 339 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 356 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | UNITED HEALTHCARE INSURANCE COMPANY | 312 | $3.4M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 293 | $258K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 674 | $40K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 464 | $125K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 368 | $53K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 369 | $70K |
| Other(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 464 | $164K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 674 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.