| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY KERNAN & GILROY, INC. | PO BOX 542 NEW HARTFORD, NY 13413 | MVP HEALTH CARE (416996) | $6K | — | $6K | 3.68% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY KERNAN & GILROY, INC. | PO BOX 542 NEW HARTFORD, NY 13413 | MVP HEALTH CARE (416994) | $5K | — | $5K | 3.70% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY KERNAN & GILROY | PO BOX 542 NEW HARTFORD, NY 13413 | MVP HEALTH CARE (416995) | $4K | — | $4K | 3.69% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY KERNAN & GILROY, INC. | PO BOX 542 NEW HARTFORD, NY 13413 | MVP HEALTH CARE (417006) | $4K | — | $4K | 3.65% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY KERNAN & GILROY, INC. | PO BOX 542 NEW HARTFORD, NY 13413 | MVP HEALTH CARE (416997) | $2K | — | $2K | 3.67% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY KERNAN & GILROY, INC. | PO BOX 542 NEW HARTFORD, NY 13413 | EXCELLUS BLUECROSS BLUESHIELD | $4K | — | $4K | 10.60% |
| NBT INSURANCE AGENCY LLC3 Filed as: NBT MANG INSURANCE AGENCY | 66 SOUTH BROAD STREET SUITE 2 NORWICH, NY 13815 | EXCELLUS BLUECROSS BLUESHIELD | $12 | — | $12 | 0.03% |
| ENROLLEASE Filed as: BOUCHEY & CLARKE BENEFITS INC. | PO BOX 1616 TROY, NY 12181 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $723 | — | $723 | 7.91% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY KERNAN & GILROY INC. | PO BOX 542 NEW HARTFORD, NY 13413 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $391 | — | $391 | 4.28% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY KERNAN & GILROY, INC. | PO BOX 542 NEW HARTFORD, NY 13413 | LIFE INSURANCE COMPANY OF NEW YORK (0010) | $608 | — | $608 | 10.00% |
| MICHAEL D DAMSKY3 | 2113 GENESEE ST UTICA, NY 13501 | FIRST UNUM LIFE INSURANCE COMPANY (416994) | $155 | — | $155 | 4.85% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY KERNAN & GILROY, INC. | PO BOX 542 NEW HARTFORD, NY 13413 | LIFE INSURANCE COMPANY OF NEW YORK (0020) | $75 | — | $75 | 10.01% |
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 | 123 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 5 carriers) | MVP HEALTH CARE (416996) | 40 | $585K |
| Dental | EXCELLUS BLUECROSS BLUESHIELD | 75 | $38K |
| Vision(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NEW YORK (0010) | 49 | $7K |
| Life insurance(2 contracts, 2 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 123 | $12K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY (416994) | 7 | $3K |
| Other | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 123 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 123 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.