| 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 | EXCELLUS BLUECROSS BLUESHIELD (M) | $35K | — | $35K | 5.11% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY, KERNAN & GILROY, INC. | PO BOX 542 NEW HARTFORD, NY 13413 | EXCELLUS BLUECROSS BLUESHIELD (D) | $5K | — | $5K | 9.94% |
| 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 | 11.79% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY, KERNAN & GILROY INC. | 210 CLINTON STREET NEW HARTFORD, NY 13413 | GUARDIAN | $2K | $361 | $2K | 18.61% |
| ALLIANCE ADVISORY GRP INC Filed as: ALLIANCE ADVISORY GROUP, INC. | 350 ESSAY ROAD SUITE 301 WILLIAMSVILLE, NY 14221 | GUARDIAN | $30 | — | $30 | 0.30% |
| 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 | $641 | — | $641 | 10.00% |
| 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 | $92 | — | $92 | 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 | 162 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUECROSS BLUESHIELD (M) | 162 | $677K |
| Dental | EXCELLUS BLUECROSS BLUESHIELD (D) | 88 | $45K |
| Vision(2 contracts) | HM LIFE INSURANCE COMPANY OF NEW YORK | 65 | $7K |
| Life insurance(2 contracts, 2 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 144 | $13K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY (416994) | 4 | $2K |
| Long-term disability | GUARDIAN | 27 | $10K |
| Prescription drug | EXCELLUS BLUECROSS BLUESHIELD (M) | 162 | $677K |
| Other | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 144 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 162 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.