| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATES, LLC | 100 WOOD AVENUE SOUTH, 4TH FLOOR ISELIN, NJ 08830 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $73K | $73K | 6.92% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES, INC. | 1000 WOODBURY ROAD WOODBURY, NY 11797 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $26K | $26K | 2.44% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATES, LLC | PO BOX 95000 PHILADELPHIA, PA 19195 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $11K | $0 | $11K | 14.74% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES, INC. | 1000 WOODBURY ROAD, SUITE 403 WOODBURY, NY 11797 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $4K | $4K | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST, LTD | 55 EAST JACKSON, 12TH FLOOR CHICAGO, IL 60604 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $656 | $656 | 0.91% |
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 | 122 | 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) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 129 | $1.0M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 129 | $1.0M |
| Life insurance | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 122 | $72K |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 122 | $72K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 122 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 129 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.