| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATES, LLC | 100 WOOD AVENUE S 4TH FLOOR ISELIN, NJ 08830 | FOUR EVER LIFE INS. CO | $51K | — | $51K | 4.89% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATES, LLC | 100 WOOD AVENUE S 4TH FLOOR ISELIN, NJ 08830 | FOUR EVER LIFE INS CO | $45K | — | $45K | 5.00% |
| WORLD INSURANCE ASSOCIATES LLC3 | 100 WOOD AVENUE S 4TH FLOOR ISELIN, NJ 08830 | FOUR EVER LIFE INS. CO | $30K | — | $30K | 5.38% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATES, LLC | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $15K | — | $15K | 9.65% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD SUITE 200 HAUPPAUGE, NY 11788 | CIGNA HEALTH & LIFE INSURANCE COMPANY | — | $6K | $6K | 3.86% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATES, LLC | 100 WOOD AVENUE SOUTH 4TH FLOOR ISELIN, NJ 088300001 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $2K | $4K | 10.00% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS INC. | 225 WIRELESS BLVD #308 HAUPPAGUE, NY 11788 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATES, LLC | 100 WOOD AVENUE S 4TH FLOOR ISELIN, NJ 088300001 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $2K | $3K | 10.00% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS INC. | 225 WIRELESS BLVD SUITE 200 HAUPPAUGE, NY 11788 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATES, LLC | 100 WOOD AVENUE SOUTH 4TH FLOOR ISELIN, NJ 088300001 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $2K | $3K | 10.00% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD #308 HAUPPAUGE, NY 11788 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATES, LLC | 100 WOOD AVENUE SOUTH 4TH FLOOR ISELIN, NJ 088300001 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $2K | $3K | 10.00% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS INC. | 225 WIRELESS BLVD #308 HAUPPAUGE, NY 11788 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| WORLD INSURANCE ASSOCIATES LLC3 | LOCKBOX#1803 PO BOX 95000 PHILADELPHIA, PA 19195 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | — | $5K | 26.09% |
| WORLD INSURANCE ASSOCIATES LLC3 | LOCKBOX#1803 PO BOX 95000 PHILADELPHIA, PA 19195 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | — | $4K | 25.48% |
| WORLD INSURANCE ASSOCIATES LLC3 | LOCKBOX#1803 PO BOX 95000 PHILADELPHIA, PA 19195 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | — | $4K | 26.61% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATES, LLC | LOCKBOX #1805 PO BOX 95000 PHILADELPHIA, PA 19195 | CIGNA DENTAL HEALTH OF ARIZONA INC. | $855 | — | $855 | 9.49% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD SUITE 200 HAUPPAUGE, NY 11788 | CIGNA DENTAL HEALTH OF ARIZONA INC. | — | $342 | $342 | 3.80% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATES, LLC | LOCKBOX #1803 PO BOX 95000 PHILADEPHIA, PA 19195 | CIGNA DENTAL HEALTH OF TEXAS INC. | $511 | — | $511 | 9.49% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD SUITE 200 HAUPPAUGE, NY 11788 | CIGNA DENTAL HEALTH OF TEXAS INC. | — | $205 | $205 | 3.81% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATES, LLC | LOCKBOX #180 PO BOX 95000 PHILADELPHIA, PA 19195 | CIGNA DENTAL HEALTH OF KENTUCKY, INC. | $332 | — | $332 | 9.49% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD SUITE 200 HAUPPAUGE, NY 11788 | CIGNA DENTAL HEALTH OF KENTUCKY, INC. | — | $133 | $133 | 3.80% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATES, LLC | LOCKBOX #1803 PO BOX 95000 PHILADELPHIA, PA 19195 | CIGNA DENTAL HEALTH OF CALIFORNIA INC. | $133 | — | $133 | 9.50% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD SUITE 200 HAUPPAUGE, NY 11788 | CIGNA DENTAL HEALTH OF CALIFORNIA INC. | — | $53 | $53 | 3.79% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATES, LLC | LOCKBOX #1803 PO BOX 95000 PHILADELPHIA, PA 19195 | CIGNA DENTAL HEALTH OF NEW JERSEY INC | $104 | — | $104 | 9.50% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD SUITE 200 HAUPPAUGE, NY 11788 | CIGNA DENTAL HEALTH OF NEW JERSEY INC | — | $42 | $42 | 3.84% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATES, LLC | LOCKBOX #1803 PO BOX 95000 PHILADELPHIA, PA 19195 | CIGNA DENTAL HEALTH OF VIRGINIA, INC. | $35 | — | $35 | 9.59% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD SUITE 200 HAUPPAUGE, NY 11788 | CIGNA DENTAL HEALTH OF VIRGINIA, INC. | — | $14 | $14 | 3.84% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATES, LLC | LOCKBOX #1805 PO BOX 95000 PHILADELPHIA, PA 19195 | CIGNA HEALTH OF CONNECTICUT INC. | $35 | — | $35 | 9.59% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD SUITE 200 HAUPPAUGE, NY 11788 | CIGNA HEALTH OF CONNECTICUT INC. | — | $14 | $14 | 3.84% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATES, LLC | LOCKBOX#1803 PO BOX 95000 PHILADELPHIA, PA 19195 | CIGNA DENTAL HEALTH OF MARYLAND, INC. | $20 | — | $20 | 9.39% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD SUITE 200 HAUPPAUGE, NY 11788 | CIGNA DENTAL HEALTH OF MARYLAND, INC. | — | $8 | $8 | 3.76% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATES, LLC | LOCKBOX#1803 PO BOX 95000 PHILADELPHIA, PA 19195 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | $20 | — | $20 | 9.39% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD SUITE 200 HAUPPAUGE, NY 11788 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | — | $8 | $8 | 3.76% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATES, LLC | LOCKBOX #1803 PO BOX 95000 PHILADELPHIA, PA 19195 | CIGNA DENTAL HEALTH OF NORTH CAROLINA, INC. | $17 | — | $17 | 9.29% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD SUITE 200 HAUPPAUGE, NY 11788 | CIGNA DENTAL HEALTH OF NORTH CAROLINA, INC. | — | $7 | $7 | 3.83% |
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 | 173 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | FOUR EVER LIFE INS. CO | 141 | $2.5M |
| Dental(11 contracts, 11 carriers) | CIGNA HEALTH & LIFE INSURANCE COMPANY | 152 | $173K |
| Vision | CIGNA HEALTH & LIFE INSURANCE COMPANY | 152 | $151K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 173 | $30K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 173 | $36K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 173 | $32K |
| Other(5 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 173 | $117K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 173 | — |
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."
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.