| 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 PLAN | $47K | — | $47K | 4.01% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY KERNAN & GILROY INC. | 210 CLINTON RD NEW HARTFORD, NY 13413 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 4.84% |
| ADIRONDACK FINANCIAL SERVICES3 Filed as: ADIRONDACK FINANCIAL SERVICES CORP. | 185 GENESEE STREET UTICA, NY 13501 | THE PAUL REVERE LIFE INSURANCE COMPANY | $19K | — | $19K | 24.41% |
| KEVIN EDWARDS3 | 8332 MOYER CARRIAGE CICERO, NY 13039 | THE PAUL REVERE LIFE INSURANCE COMPANY | $7K | $8K | $15K | 19.35% |
| KATHY W STEWART3 | 185 GENESEE STREET UTICA, NY 13501 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | $8K | $11K | 13.74% |
| VALERIE CELI3 | 6530 LAKEHORE ROAD CICERO, NY 13039 | THE PAUL REVERE LIFE INSURANCE COMPANY | $4K | $5K | $9K | 11.40% |
| RYAN DORSEY3 | 4483 MILLSTREAM DR CLAY, NY 13041 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3K | $5K | $8K | 9.75% |
| ANTHONY MATRONE3 | 4797 ROUTE 31 CLAY, NY 13041 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | $4K | $6K | 8.15% |
| TRISHA TYMINSKI3 | PO BOX 439 CONSTANTIA, NY 13044 | THE PAUL REVERE LIFE INSURANCE COMPANY | $4K | $665 | $4K | 5.42% |
| MEAGAN M MARTIN3 | 6151 DIFFIN ROAD CICERO, NY 13039 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | $1K | $3K | 4.11% |
| MARLENE ANDERSON3 | 185 GENESEE STREET UTICA, NY 13501 | THE PAUL REVERE LIFE INSURANCE COMPANY | $772 | $2K | $3K | 3.52% |
| MICHAEL KLINE3 | 4207 CENTER GATE LN SARASOTA, FL 34233 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | $873 | $2K | 2.94% |
| LAURA MEDICO3 | 7783 BRANIFF CIRCLE CICERO, NY 13039 | THE PAUL REVERE LIFE INSURANCE COMPANY | $9 | $16 | $25 | 0.03% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY KERNAN & GILROY INC. | 210 CLINTON RD NEW HARTFORD, NY 13413 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 7.00% |
| ADIRONDACK FINANCIAL SERVICES3 Filed as: ADIRONDACK FINANCIAL SERVICES CORP. | 185 GENESEE STREET, 2ND FLOOR UTICA, NY 13501 | HIGHMARK LIFE INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| ADIRONDACK FINANCIAL SERVICES3 Filed as: ADIRONDACK FINANCIAL SERVICES CORP. | 185 GENESEE STREET, 2ND FLOOR UTICA, NY 13501 | UNION SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $4K | — | $4K | 15.00% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY KERNAN & GILROY INC. | PO BOX 542 NEW HARTFORD, NY 13413 | SHELTERPOINT LIFE INSURANCE CO | $2K | — | $2K | 22.97% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY KERNAN & GILROY INC. | 210 CLINTON ST NEW HARTFORD, NY 13413 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $647 | — | $647 | 20.01% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY KERNAN & GILROY INC. | PO BOX 542 NEW HARTFORD, NY 13413 | FIRST UNUM LIFE INSURANCE COMPANY | $81 | — | $81 | 2.70% |
| ADIRONDACK FINANCIAL SERVICES3 Filed as: ADIRONDACK FINANCIAL SERVICES CORP. | 185 GENESEE STREET, 2ND FLOOR UTICA, NY 13501 | FIRST UNUM LIFE INSURANCE COMPANY | $51 | — | $51 | 1.70% |
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 | 357 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 360 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUECROSS BLUESHIELD PLAN | 237 | $1.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 502 | $165K |
| Vision | HIGHMARK LIFE INSURANCE COMPANY | 614 | $37K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 502 | $192K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 502 | $165K |
| Prescription drug | EXCELLUS BLUECROSS BLUESHIELD PLAN | 237 | $1.2M |
| Other(7 contracts, 6 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 502 | $321K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 614 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.