| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY, KERNAN & GILROY, INC. | 210 CLINTON ROAD NEW HARTFORD, NY 134135305 | UNITED HEALTHCARE INSURANCE COMPANY | $30K | — | $30K | 4.00% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY, KERNAN & GILROY, INC. | PO BOX 542 NEW HARTFORD, NY 13413 | EXCELLUS BLUECROSS BLUESHIELD | $5K | — | $5K | 9.89% |
| ARISTA INVESTORS CORP3 | 15 MAIDEN LANE, SUITE 905 NEW YORK, NY 10038 | GUARDIAN | $3K | $788 | $4K | 16.91% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY, KERNAN & GILROY, INC. | PO BOX 542 NEW HARTFORD, NY 13413 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $1K | — | $1K | 11.33% |
| DANIEL BENNETT3 Filed as: DANIEL G. BENNETT | 3216 FAR REACH DRIVE BALDWINSVILLE, NY 13027 | GUARDIAN | $2K | — | $2K | 15.00% |
| ALLIANCE ADVISORY GRP INC3 Filed as: ALLIANCE ADVISORY GROUP, INC. | 600 DELAWARE AVENUE BUFFALO, NY 14202 | GUARDIAN | $36 | — | $36 | 0.30% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY, KERNAN & GILROY, INC. | 210 CLINTON ROAD NEW HARTFORD, NY 13413 | HM LIFE INSURANCE COMPANY OF NEW YORK | $524 | — | $524 | 9.83% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY, KERNAN & GILROY, INC. | 210 CLINTON ROAD NEW HARTFORD, NY 13413 | HM LIFE INSURANCE COMPANY OF NEW YORK | $222 | — | $222 | 10.02% |
| MICHAEL D DAMSKY3 | 2 JORDAN ROAD NEW HARTFORD, NY 13413 | FIRST UNUM LIFE INSURANCE COMPANY | $89 | — | $89 | 4.57% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY, KERNAN & GILROY, INC. | 210 CLINTON ROAD NEW HARTFORD, NY 13413 | HM LIFE INSURANCE COMPANY OF NEW YORK | $56 | — | $56 | 10.07% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY, KERNAN & GILROY, INC. | 210 CLINTON ROAD NEW HARTFORD, NY 13413 | HM LIFE INSURANCE COMPANY OF NEW YORK | $41 | — | $41 | 9.95% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY, KERNAN & GILROY, INC. | 210 CLINTON ROAD NEW HARTFORD, NY 13413 | HM LIFE INSURANCE COMPANY OF NEW YORK | $13 | — | $13 | 9.77% |
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 | 157 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 84 | $749K |
| Dental | EXCELLUS BLUECROSS BLUESHIELD | 93 | $47K |
| Vision(5 contracts) | HM LIFE INSURANCE COMPANY OF NEW YORK | 44 | $9K |
| Life insurance(2 contracts, 2 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 157 | $15K |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN | 96 | $23K |
| Long-term disability | GUARDIAN | 36 | $12K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 84 | $749K |
| Other | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 157 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 157 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.