| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORLD INSURANCE ASSOCIATES LLC3 | 100 WOOD AVENUE S 4TH FLOOR ISELIN, NJ 08830 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $167K | — | $167K | 9.64% |
| WORLD INSURANCE ASSOCIATES LLC3 | 100 WOOD AVENUE S 4TH FLOOR ISELIN, NJ 088302716 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $1K | $7K | 10.31% |
| WORLD INSURANCE ASSOCIATES LLC3 | 6851 JERICHO TURNPIKE SUITE 270 SYSOSET, NY 117914454 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $11 | $3K | 4.39% |
| PAUL GLOBAL BENEFITS INC3 | 6851 JERICHO TURNPIKE SUITE 270 SYOSSET, NY 11791 | METROPOLITAN LIFE INSURANCE COMPANY | — | $426 | $426 | 0.62% |
| WORLD INSURANCE ASSOCIATES LLC3 | 6851 JERICHO TURNPIKE SUITE 270 SYSOSET, NY 117914454 | GUARDIAN | $8K | — | $8K | 18.26% |
| INTERNAL PLANNING ALL LLC3 | — | GUARDIAN | $165 | — | $165 | 0.36% |
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 | 113 | 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) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 319 | $1.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 319 | $1.7M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 299 | $27K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 160 | $68K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 160 | $68K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 160 | $68K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 160 | $114K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 319 | — |
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.