| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL GLOBAL BENEFITS, INC. | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | UNITEDHEALTHCARE INSURANCE COMPANY | $601K | — | $601K | 6.40% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATES | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 0.03% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATES | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $32K | — | $32K | 8.54% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATES | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $16K | — | $16K | 8.22% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL GLOBAL BENEFITS, INC. | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | KAISER FOUNDATION HEALTH PLAN INC | $11K | — | $11K | 6.02% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATES | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | — | $12K | 8.21% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATES | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 6.76% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL GLOBAL BENEFITS, INC. | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 1.87% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATES | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | CIGNA HEALTH AND LIFE INSURANCE COMP;ANY | $15K | $562 | $15K | 20.77% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATES | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | CIGNA HEALTH AND LIFE INSURANCE COMP;ANY | $10K | $423 | $10K | 15.65% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATES | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | CIGNA HEALTH AND LIFE INSURANCE COMP;ANY | $13K | $421 | $13K | 20.65% |
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 | 852 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 854 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 2,168 | $9.6M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 338 | $380K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 852 | $148K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 852 | $192K |
| Other(5 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 338 | $691K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,168 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.