| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATES, LLC | 100 WOOD AVENUE SOUTH ISELIN, NJ 08830 | AETNA LIFE INSURANCE COMPANY | $56K | $0 | $56K | 2.91% |
| ADVOCATE, INC.3 | 228 SOUTH PARK AVENUE SOUTH PMB 97880 NEW YORK, NY 10003 | AETNA LIFE INSURANCE COMPANY | $27K | $0 | $27K | 1.38% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SER | 12404 PARK CENTRAL DRIVE DALLAS, TX 75251 | AETNA LIFE INSURANCE COMPANY | $26K | $0 | $26K | 1.35% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SER | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $1K | $11K | 11.38% |
| ADVOCATE, INC.3 | 228 SOUTH PARK AVENUE SOUTH PMB 97880 NEW YORK, NY 10003 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 6.63% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATES, LLC | 100 WOOD AVENUE SOUTH, 4TH FLOOR ISELIN, NJ 08830 | MUTUAL OF OMAHA INSURANCE COMPANY | $5K | $0 | $5K | 5.48% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SER | 50 MAIN STREET, SUITE 320 WHITE PLAINS, NY 10606 | MUTUAL OF OMAHA INSURANCE COMPANY | $0 | $4K | $4K | 5.00% |
| ADVOCATE, INC.3 Filed as: ADVOCATE NAVA BENEFITS | 228 PARK AVENUE SOUTH, PMB 97880 NEW YORK, NY 10003 | MUTUAL OF OMAHA INSURANCE COMPANY | $2K | $0 | $2K | 2.36% |
| EPSIX, INC.3 | 13924 EAST DYER LANE SCOTTSDALE, AZ 85262 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.04% |
| RUBICON BENEFITS LLC3 Filed as: RUBICON BENEFITS, LLC | 718 WALT WHITMAN ROAD UNIT 1568 MELVILLE, NY 11747 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 9.91% |
| CHARLEEN ANTOINETTE WRIGHT3 | 2565 ALLEGHANY LOOP VIRGINIA BEACH, VA 23456 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.25% |
| KEVIN WINTHROP PAASCH3 | 919 FIRST COLONIAL ROAD, SUITE C VIRGINIA BEACH, VA 23454 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2 | $0 | $2 | 0.01% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATES, LLC | 100 WOOD AVENUE SOUTH, 4TH FLOOR ISELIN, NJ 08830 | COMPANION LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.85% |
| ADVOCATE, INC.3 Filed as: ADVOCATE NAVA BENEFITS | 228 PARK AVENUE SOUTH, PMB 97880 NEW YORK, NY 10003 | COMPANION LIFE INSURANCE COMPANY | $727 | $0 | $727 | 4.16% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SER | 50 MAIN STREET, SUITE 320 WHITE PLAINS, NY 10606 | COMPANION LIFE INSURANCE COMPANY | $0 | $643 | $643 | 3.68% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATES, LLC | 718 WALT WHITMAN ROAD, UNIT 1568 MELVILLE, NY 11747 | AFLAC | $220 | $0 | $220 | 3.72% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: CHARLEEN A. BROWN | 2565 ALLEGHANY LOOP VIRGINIA BEACH, VA 23456 | AFLAC | $141 | $31 | $172 | 2.91% |
| STEVEN R. KARAS AND OTHER AGENTS3 | 222 WARD STREET NEWTON, MA 02459 | AFLAC | $134 | $9 | $143 | 2.42% |
| EPSIX, INC.3 | 687 EAST BROADWAY MILFORD, CT 06460 | AFLAC | $99 | $0 | $99 | 1.67% |
| DEGATI & ASSOCIATES INC3 Filed as: DEGATI & ASSOCIATES, INC. | 16059 23RD AVENUE WHITESTONE, NY 11357 | AFLAC | $46 | $0 | $46 | 0.78% |
| GLENN E SMITH3 Filed as: GLENN E. SMITH | 1136 MASTERS ROW CHESAPEAKE, VA 23320 | AFLAC | $39 | $0 | $39 | 0.66% |
| JOEL B KARAS3 Filed as: JOEL B. KARAS | 130 PARSONS STREET BRIGHTON, MA 02135 | AFLAC | $31 | $0 | $31 | 0.52% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATES, LLC | 718 WALT WHITMAN ROAD, UNIT 1568 MELVILLE, NY 11747 | AFLAC | $142 | $60 | $202 | 6.00% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: CHARLEEN A. BROWN | 2565 ALLEGHANY LOOP VIRGINIA BEACH, VA 23456 | AFLAC | $130 | $0 | $130 | 3.86% |
| EPSIX, INC.3 | 687 EAST BROADWAY MILFORD, CT 06460 | AFLAC | $93 | $0 | $93 | 2.76% |
| CHARLEEN A. WRIGHT AND OTHER AGENTS3 | 2565 ALLEGHANY LOOP VIRGINIA BEACH, VA 23456 | AFLAC | $58 | $0 | $58 | 1.72% |
| JOEL B KARAS3 Filed as: JOEL B. KARAS | 130 PARSONS STREET BRIGHTON, MA 02135 | AFLAC | $45 | $0 | $45 | 1.34% |
| STEVEN R KARAS3 Filed as: STEVEN R. KARAS | 222 WARD STREET NEWTON, MA 02459 | AFLAC | $24 | $0 | $24 | 0.71% |
| ALVARO JAVIER MONTENEGRO3 | 5 ELYSE DRIVE NEW CITY, NY 10956 | AFLAC | $21 | $0 | $21 | 0.62% |
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 | 172 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 192 | $1.9M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 138 | $98K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 138 | $98K |
| Life insurance(3 contracts, 3 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 174 | $126K |
| Short-term disability(3 contracts, 2 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 174 | $92K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 174 | $83K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 192 | $1.9M |
| Other(3 contracts, 2 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 174 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.