| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GARY WOOD ASSOCIATES, INC.3 | 1180 AVENUE OF THE AMERICAS FL 8 NEW YORK, NY 10036 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | $0 | $9K | 10.03% |
| GARY WOOD ASSOCIATES, INC.3 | 1180 AVENUE OF THE AMERICAS FL 8 NEW YORK, NY 10036 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $5K | $0 | $5K | 15.00% |
| THE DBL CENTER LTD3 | 155 PINELAWN ROAD STE 120 SOUTH MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $3K | $3K | 7.24% |
| GARY WOOD ASSOCIATES, INC.3 | 1180 AVENUE OF THE AMERICAS FL 8 NEW YORK, NY 100368401 | VISION SERVICE PLAN | $3K | $0 | $3K | 10.02% |
| GARY WOOD ASSOCIATES, INC.3 | 1180 AVENUE OF THE AMERICAS FL 8 NEW YORK, NY 10036 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | $0 | $2K | 9.21% |
| THE DBL CENTER LTD3 | 155 PINELAWN ROAD STE 120 SOUTH MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $2K | $2K | 7.17% |
| GARY WOOD ASSOCIATES, INC.3 | 1180 AVENUE OF THE AMERICAS FL 8 NEW YORK, NY 10036 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $3K | $0 | $3K | 15.00% |
| THE DBL CENTER LTD3 | 155 PINELAWN ROAD STE 120 SOUTH MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $1K | $1K | 6.89% |
| GARY WOOD ASSOCIATES, INC.3 | 1180 AVENUE OF THE AMERICAS FL 8 NEW YORK, NY 10036 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | $0 | $2K | 10.39% |
| THE DBL CENTER LTD3 | 155 PINELAWN ROAD STE 120 SOUTH MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $1K | $1K | 7.18% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WELLNET EIN 90-0135021 NONE | Other commissions; Insurance brokerage commissions and fees Service code 53 | — | $92K |
| GARY WOOD ASSOCIATES, INC NONE | Insurance brokerage commissions and fees; Other commissions Service code 53 | 1180 AVENUE OF THE AMERICAS 8TH FL NEW YORK, NY 10036 | $55K |
| WAGEWORKS EIN 94-3351864 NONE | Claims processing; Contract Administrator Service code 12 | — | $9K |
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 | 178 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GERBER LIFE | 106 | $299K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 223 | $85K |
| Vision | VISION SERVICE PLAN | 91 | $25K |
| Life insurance | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 174 | $17K |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 174 | $24K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 92 | $36K |
| Stop-loss / reinsurancereinsurance | GERBER LIFE | 106 | $299K |
| Other(2 contracts) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 174 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 223 | — |
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.