| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATES, LLC | 656 SHREWSBURY AVENUE TINTON FALLS, NJ 07701 | SUN LIFE ASSURANCE COMPANY OF CANADA | $25K | $0 | $25K | 8.28% |
| WALTON AGENCY, INC.3 | PO BOX 3029 JACKSON, MI 49204 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | $0 | $7K | 2.38% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATES, LLC | 656 SHREWSBURY AVENUE SUITE 200 TINTON FALLS, NJ 07701 | DELTA DENTAL OF MICHIGAN | $4K | $0 | $4K | 2.39% |
| WALTON AGENCY, INC.3 | 2929 SPRING ARBOR ROAD JACKSON, MI 49204 | DELTA DENTAL OF MICHIGAN | $408 | $0 | $408 | 0.28% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATES, LLC | PO BOX 95000 PHILADELPHIA, PA 19195 | VISION SERVICE PLAN | $2K | $0 | $2K | 7.49% |
| WALTON AGENCY, INC.3 | PO BOX 3029 JACKSON, MI 49204 | VISION SERVICE PLAN | $699 | $0 | $699 | 2.54% |
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 | 205 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 71 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 285 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 396 | $3.2M |
| Dental | DELTA DENTAL OF MICHIGAN | 406 | $147K |
| Vision | VISION SERVICE PLAN | 158 | $27K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 230 | $305K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 230 | $305K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 230 | $305K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 396 | $3.2M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 230 | $305K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 406 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.