| 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 | FOUR EVER LIFE INS. CO | $100K | — | $100K | 5.83% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATES | 100 WOOD AVENUE S 4TH FLOOR ISLEIN, NJ 08830 | FOUR EVER LIFE INS. CO | $20K | — | $20K | 1.17% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL GLOBAL BENEFITS, INC. | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | FOUR EVER LIFE INS. CO | $35K | — | $35K | 5.84% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATES | 100 WOOD AVENUE S 4TH FLOOR ISLEIN, NJ 08830 | FOUR EVER LIFE INS. CO | $7K | — | $7K | 1.15% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL GLOBAL BENEFITS, INC. | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | FOUR EVER LIFE INS. CO | $27K | — | $27K | 5.65% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATES | 100 WOOD AVENUE S 4TH FLOOR ISLEIN, NJ 08830 | FOUR EVER LIFE INS. CO | $6K | — | $6K | 1.35% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATES, LLC | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | METROPOLITAN LIFE INSURANCE COMPANY | $43K | — | $43K | 10.90% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATES | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 23.00% |
| WORLD INSURANCE ASSOCIATES LLC3 | PO BOX 95000 LOCKBOX 1803 PHILADELPHIA, PA 19195 | METLIFE LEGAL PLANS | $2K | — | $2K | 5.38% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATES, LLC | 656 SHREWSBURY AVENUE SUITE 200 TINTON FALLS, NJ 07701 | METLIFE LEGAL PLANS | $1K | — | $1K | 4.85% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATES | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 23.00% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATES | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.00% |
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 | 485 | 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) | 487 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | FOUR EVER LIFE INS. CO | 516 | $2.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,233 | $392K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,233 | $392K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,233 | $392K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,233 | $392K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,233 | $392K |
| Other(5 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,233 | $494K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,233 | — |
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.