| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATION CO | STE 500 11175 CICERO DR ALPHARETTA, GA 30022 | UNUM INSURANCE COMPANY | $52K | — | $52K | 15.00% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATION IN | 11175 CICERO DR STE 500 ALPHARETTA, GA 30022 | UNUM INSURANCE COMPANY | — | $17K | $17K | 5.00% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATION CO | STE 500 11175 CICERO DR ALPHARETTA, GA 30022 | STARMOUNT LIFE INSURANCE COMPANY | $33K | — | $33K | 10.00% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATION IN | STE 500 11175 CICERO DR ALPHARETTA, GA 30022 | STARMOUNT LIFE INSURANCE COMPANY | — | $7K | $7K | 2.00% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATION CO | 11175 CICERO DR STE 500 ALPHARETTA, GA 30022 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $39K | — | $39K | 15.00% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATION IN | 11175 CICERO DR STE 500 ALPHARETTA, GA 30022 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $5K | $5K | 2.00% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATION CO | STE 500 11175 CICERO DR ALPHARETTA, GA 30022 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $35K | — | $35K | 15.00% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATION IN | 11175 CICERO DRIVE SUITE 500 ALPHARETTA, GA 30022 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $5K | $5K | 2.00% |
| MT. CARMEL INSURANCE AGENCY3 | 1212 MOTOR CITY DRIVE COLORADO SPRINGS, CO 80905 | EYEMED VISION CARE | $7K | — | $7K | 8.44% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATION CO | 11175 CICERO DR STE 500 ALPHARETTA, GA 30022 | UNUM INSURANCE COMPANY | $12K | — | $12K | 17.00% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATION IN | 11175 CICERO DR STE 500 ALPHARETTA, GA 30022 | UNUM INSURANCE COMPANY | — | $1K | $1K | 2.00% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATION CO | STE 500 11175 CICERO DR ALPHARETTA, GA 30022 | UNUM INSURANCE COMPANY | $8K | — | $8K | 15.01% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATION IN | 11175 CICERO DR STE 500 ALPHARETTA, GA 30022 | UNUM INSURANCE COMPANY | — | $2K | $2K | 3.00% |
| MT. CARMEL INSURANCE AGENCY3 | 1212 MOTOR CITY DR. COLORADO SPRINGS, CO 80905 | BETA HEALTH ASSOCIATION, INC. | $4K | — | $4K | 8.00% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATION CO | 11175 CICERO DR STE 500 ALPHARETTA, GA 30022 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 14.91% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATION IN | 11175 CICERO DR STE 500 ALPHARETTA, GA 30022 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 1.99% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATION CO | 11175 CICERO DR STE 500 ALPHARETTA, GA 30022 | UNUM INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATION IN | 11175 CICERO DR STE 500 ALPHARETTA, GA 30022 | UNUM INSURANCE COMPANY | — | $1K | $1K | 3.19% |
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 | 2,025 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,025 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | STARMOUNT LIFE INSURANCE COMPANY | 418 | $383K |
| Vision(2 contracts) | EYEMED VISION CARE | 2,023 | $79K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,274 | $488K |
| Short-term disability(2 contracts, 2 carriers) | UNUM INSURANCE COMPANY | 1,387 | $401K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,274 | $230K |
| Stop-loss / reinsurancereinsurance | GREAT MIDWEST INSURANCE COMPANY | 782 | $365K |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,274 | $457K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,023 | — |
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.