| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORLD INSURANCE ASSOCIATES LLC Filed as: GILROY, KERNAN & GILROY, INC. | PO BOX 542 NEW HARTFORD, NY 13413 | MVP HEALTH CARE (416994) | $8K | — | $8K | 4.31% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY, KERNAN & GILROY, INC. | PO BOX 542 NEW HARTFORD, NY 13413 | MVP HEALTH CARE (416996) | $7K | — | $7K | 4.20% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY, KERNAN & GILROY, INC. | PO BOX 542 NEW HARTFORD, NY 13413 | MVP HEALTH CARE (416995) | $4K | — | $4K | 4.19% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY, KERNAN & GILROY, INC. | PO BOX 542 NEW HARTFORD, NY 13413 | MVP HEALTH CARE (417006) | $4K | — | $4K | 4.01% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY, KERNAN & GILROY, INC. | PO BOX 542 NEW HARTFORD, NY 13413 | MVP HEALTH CARE (416997) | $3K | — | $3K | 4.15% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY, KERNAN & GILROY, INC. | PO BOX 542 NEW HARTFORD, NY 13413 | EXCELLUS BLUECROSS BLUESHIELD | $4K | — | $4K | 10.84% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY, KERNAN & GILROY, INC. | PO BOX 542 NEW HARTFORD, NY 13413 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $1K | — | $1K | 12.32% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY, KERNAN & GILROY, INC. | PO BOX 542 NEW HARTFORD, NY 13413 | HM LIFE INSURANCE COMPANY OF NEW YORK (0010) | $514 | — | $514 | 9.99% |
| MICHAEL D DAMSKY3 | 2113 GENESEE ST UTICA, NY 13501 | FIRST UNUM LIFE INSURANCE COMPANY (416994) | $142 | — | $142 | 4.91% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY, KERNAN & GILROY, INC. | PO BOX 542 NEW HARTFORD, NY 13413 | HM LIFE INSURANCE COMPANY OF NEW YORK (0020) | $81 | — | $81 | 9.94% |
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) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 5 carriers) | MVP HEALTH CARE (416994) | 30 | $619K |
| Dental | EXCELLUS BLUECROSS BLUESHIELD | 78 | $35K |
| Vision(2 contracts, 2 carriers) | HM LIFE INSURANCE COMPANY OF NEW YORK (0010) | 44 | $6K |
| Life insurance(2 contracts, 2 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 123 | $11K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY (416994) | 6 | $3K |
| Other | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 123 | $8K |
| 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."
No prospect flags tripped on this filing.