| 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 | STARMOUNT LIFE INSURANCE COMPANY | $25K | — | $25K | 9.97% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATION IN | STE 500 11175 CICERO DR ALPHARETTA, GA 30022 | STARMOUNT LIFE INSURANCE COMPANY | — | $5K | $5K | 1.99% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATION CO | 11175 CICERO DR STE 500 ALPHARETTA, GA 30022 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $28K | — | $28K | 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 | — | $4K | $4K | 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 | $27K | — | $27K | 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 | — | $4K | $4K | 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 | $11K | — | $11K | 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 | — | $1K | $1K | 2.00% |
| MT. CARMEL INSURANCE AGENCY3 | 1212 MOTOR CITY DRIVE COLORADO SPRINGS, CO 80905 | EYEMED VISION CARE | $6K | — | $6K | 9.36% |
| 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 INSURANCE COMPANY | $6K | — | $6K | 11.45% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATION IN | 11175 CICERO DR STE 500 ALPHARETTA, GA 30022 | UNUM INSURANCE COMPANY | — | $1K | $1K | 3.04% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATION CO | STE 500 11175 CICERO DR ALPHARETTA, GA 30022 | UNUM INSURANCE COMPANY | $9K | — | $9K | 19.20% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATION IN | 11175 CICERO DR STE 500 ALPHARETTA, GA 30022 | UNUM INSURANCE COMPANY | — | $2K | $2K | 4.61% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATION CO | 11175 CICERO DR STE 500 ALPHARETTA, GA 30022 | UNUM INSURANCE COMPANY | $3K | — | $3K | 10.61% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATION IN | 11175 CICERO DR STE 500 ALPHARETTA, GA 30022 | UNUM INSURANCE COMPANY | — | $976 | $976 | 4.07% |
| MT. CARMEL INSURANCE AGENCY3 | 1212 MOTOR CITY DRIVE COLORADO SPRINGS, CO 80905 | EYEMED VISION CARE | $3 | — | $3 | — |
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 | 1,098 | 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) | 1,098 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | STARMOUNT LIFE INSURANCE COMPANY | 405 | $300K |
| Vision(2 contracts) | EYEMED VISION CARE | 967 | $66K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,098 | $364K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 98 | $74K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,098 | $180K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | GREAT MIDWEST INSURANCE COMPANY | 661 | $402K |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,098 | $351K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,098 | — |
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.