| 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) | $29K | — | $29K | 4.47% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY, KERNAN & GILROY, INC. | PO BOX 542 NEW HARTFORD, NY 13413 | EXCELLUS BLUECROSS BLUESHIELD (D) | $5K | — | $5K | 9.90% |
| ARISTA INVESTORS CORP3 | 15 MAIDEN LANE, SUITE 905 NEW YORK, NY 10038 | GUARDIAN | $3K | $202 | $3K | 17.82% |
| 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 | 11.41% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY, KERNAN & GILROY, INC. | PO BOX 542 NEW HARTFORD, NY 13413 | HM LIFE INSURANCE COMPANY OF NEW YORK | $833 | — | $833 | 10.00% |
| MICHAEL D DAMSKY3 Filed as: MICHAEL D. DAMSKY | 2 JORDAN ROAD NEW HARTFORD, NY 13413 | GUARDIAN | $269 | — | $269 | 10.02% |
| DANIEL BENNETT3 Filed as: DANIEL G. BENNETT | 3216 FAR REACH DRIVE BALDWINSVILLE, NY 13027 | GUARDIAN | $134 | — | $134 | 4.99% |
| ALLIANCE ADVISORY GRP INC3 Filed as: ALLIANCE ADVISORY GROUP INC | 600 DELAWARE AVENUE BUFFALO, NY 14202 | GUARDIAN | $3 | — | $3 | 0.11% |
| WAG NY INC3 Filed as: WAG NY INC. | 250 CROSSWAYS PARK DRIVE WOODBURY, NY 11797 | GUARDIAN | $1 | — | $1 | 0.04% |
| MICHAEL D DAMSKY3 | 2113 GENESEE ST UTICA, NY 13501 | FIRST UNUM LIFE INSURANCE COMPANY | $96 | — | $96 | 5.10% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY, KERNAN & GILROY, INC. | PO BOX 542 NEW HARTFORD, NY 13413 | HM LIFE INSURANCE COMPANY OF NEW YORK | $68 | — | $68 | 9.99% |
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 | 146 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUECROSS BLUESHIELD (M) | 79 | $651K |
| Dental | EXCELLUS BLUECROSS BLUESHIELD (D) | 89 | $46K |
| Vision(2 contracts) | HM LIFE INSURANCE COMPANY OF NEW YORK | 80 | $9K |
| Life insurance(2 contracts, 2 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 146 | $14K |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN | 81 | $18K |
| Long-term disability | GUARDIAN | 30 | $3K |
| Prescription drug | EXCELLUS BLUECROSS BLUESHIELD (M) | 79 | $651K |
| Other | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 146 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 146 | — |
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."
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.