| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY KERNAN & GILROY, INC. | 210 CLINTON ROAD NEW HARTFORD, NY 13413 | MVP HEALTHCARE | $194K | — | $194K | 2.59% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY, KERNAN & GILROY, INC. | 210 CLINTON ROAD NEW HARTFORD, NY 13413 | DELTA DENTAL OF NEW YORK | $30K | — | $30K | 10.76% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY, KERNAN & GILROY,INC. | 210 CLINTON ROAD NEW HARTFORD, NY 13413 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $30K | — | $30K | 15.31% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $152 | $152 | 0.08% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY, KERNAN & GILROY, INC. | 210 CLINTON ROAD NEW HARTFORD, NY 13413 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $31K | — | $31K | 16.51% |
| CONSILIARIUM GROUP LLC3 Filed as: CONSILIARIUM GROUP, LLC | 1250 PITTSFORD VICTOR ROAD, STE 270 PITTSFORD, NY 14534 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $11K | — | $11K | 5.94% |
| ENHANCED CARE INC.3 | 1290 UNIVERSITY AVE, SUITE G ROCHESTER, NY 14607 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $6K | — | $6K | 2.94% |
| ROSE & KIERNAN INC3 | 99 TROY ROAD EAST GREENBUSH, NY 12061 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $3K | — | $3K | 1.54% |
| EMPLOYEE FAMILY PROTECTION INC3 Filed as: EMPLOYEE FAMILY PROTECTION, INC. | PO BOX 1237 GLASTONBURY, CT 06033 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $1K | — | $1K | 0.62% |
| CONSILIARIUM GROUP LLC3 Filed as: CONSILIARIUM GROUP, LLC | 1250 PITTSFORD VICTOR RD, BLDG 100 SUITE 110 PITTSFORD, NY 14534 | ANTHEM BLUE CROSS | $12K | — | $12K | 20.59% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY KERNAN & GILROY, INC. | PO BOX 542 NEW HARTFORD, NY 13413 | ANTHEM BLUE CROSS | $4K | — | $4K | 6.92% |
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 | 666 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 668 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MVP HEALTHCARE | 642 | $7.5M |
| Dental | DELTA DENTAL OF NEW YORK | 495 | $278K |
| Vision | ANTHEM BLUE CROSS | 422 | $60K |
| Life insurance(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 692 | $387K |
| Short-term disability(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 692 | $387K |
| Long-term disability(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 692 | $387K |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 692 | $387K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 692 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.