| 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 (1) | $14K | — | $14K | 4.04% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY, KERNAN & GILROY, INC. | PO BOX 542 NEW HARTFORD, NY 13413 | MVP HEALTH CARE (9) | $6K | — | $6K | 4.03% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY, KERNAN & GILROY, INC. | PO BOX 542 NEW HARTFORD, NY 13413 | MVP HEALTH CARE (10) | $3K | — | $3K | 3.81% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY, KERNAN & GILROY, INC. | PO BOX 542 NEW HARTFORD, NY 13413 | EXCELLUS BLUECROSS BLUESHIELD | $4K | — | $4K | 10.32% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY, KERNAN & GILROY, INC. | PO BOX 542 NEW HARTFORD, NY 13413 | MVP HEALTH CARE (8) | $1K | — | $1K | 3.80% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY, KERNAN & GILROY, INC. | PO BOX 542 NEW HARTFORD, NY 13413 | MVP HEALTH CARE (7) | $859 | — | $859 | 4.26% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY, KERNAN & GILROY, INC. | PO BOX 542 NEW HARTFORD, NY 13413 | MVP HEALTH CARE (5) | $702 | — | $702 | 4.32% |
| 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 | 12.10% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY, KERNAN & GILROY, INC. | PO BOX 542 NEW HARTFORD, NY 13413 | MVP HEALTH CARE (6) | $347 | — | $347 | 3.78% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY, KERNAN & GILROY INC. | 210 CLINTON ROAD PO BOX 542 NEW HARTFORD, NY 13413 | HM LIFE INSURANCE COMPANY OF NEW YORK (2) | $565 | — | $565 | 10.01% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY, KERNAN & GILROY, INC. | PO BOX 542 NEW HARTFORD, NY 13413 | MVP HEALTH CARE (4) | $216 | — | $216 | 4.58% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY, KERNAN & GILROY, INC. | PO BOX 542 NEW HARTFORD, NY 13413 | MVP HEALTH CARE (3) | $69 | — | $69 | 2.93% |
| MICHAEL D DAMSKY3 | 2113 GENESEE ST UTICA, NY 13501 | FIRST UNUM LIFE INSURANCE COMPANY (416994) | $93 | — | $93 | 4.83% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY, KERNAN & GILROY INC. | 210 CLINTON ROAD PO BOX 542 NEW HARTFORD, NY 13413 | HM LIFE INSURANCE COMPANY OF NEW YORK (1) | $97 | — | $97 | 9.98% |
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 | 128 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(9 contracts, 9 carriers) | MVP HEALTH CARE (1) | 55 | $669K |
| Dental | EXCELLUS BLUECROSS BLUESHIELD | 81 | $42K |
| Vision(2 contracts, 2 carriers) | HM LIFE INSURANCE COMPANY OF NEW YORK (2) | 54 | $7K |
| Life insurance(2 contracts, 2 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 128 | $12K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY (416994) | 4 | $2K |
| Other | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 128 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 128 | — |
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.