| 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 | $51K | — | $51K | 4.08% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY KERNAN & GILROY INC. | 210 CLINTON STREET NEW HARTFORD, NY 13413 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $8K | $19K | 9.38% |
| ADIRONDACK FINANCIAL SERVICES3 Filed as: ADIRONDACK FINANCIAL SERVICES CORP. | 185 GENESEE STREET, 2ND FLOOR UTICA, NY 13501 | THE PAUL REVERE LIFE INSURANCE COMPANY | $4K | — | $4K | 7.50% |
| TRISHA TYMINSKI3 | PO BOX 439 CONSTANTIA, NY 13044 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | $406 | $2K | 3.88% |
| KEVIN EDWARDS3 | 8332 MOYER CARRIAGE CICERO, NY 13039 | THE PAUL REVERE LIFE INSURANCE COMPANY | $912 | $784 | $2K | 2.92% |
| VALERIE CELI3 | 6530 LAKEHORE ROAD CICERO, NY 13039 | THE PAUL REVERE LIFE INSURANCE COMPANY | $769 | $786 | $2K | 2.67% |
| MEAGAN M MARTIN3 | 721 CLINTON STREET SYRACUSE, NY 13204 | THE PAUL REVERE LIFE INSURANCE COMPANY | $436 | $976 | $1K | 2.43% |
| KATHY W KUPIEC3 | 7306 CHARLES ROAD ROME, NY 13440 | THE PAUL REVERE LIFE INSURANCE COMPANY | $43 | $786 | $829 | 1.43% |
| RYAN DORSEY3 | 4483 MILESTREAM DRIVE CLAY, NY 13041 | THE PAUL REVERE LIFE INSURANCE COMPANY | $414 | $0 | $414 | 0.71% |
| ANTHONY MATRONE3 | 4797 ROUTE 31 CLAY, NY 13041 | THE PAUL REVERE LIFE INSURANCE COMPANY | $114 | $0 | $114 | 0.20% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY KERNAN & GILROY INC. | PO BOX 542 NEW HARTFORD, NY 13413 | THE PAUL REVERE LIFE INSURANCE COMPANY | $113 | $0 | $113 | 0.19% |
| MICHAEL KLINE3 Filed as: MICHAEL KINE | 4207 CENTER GATE LANE SARASOTA, FL 34233 | THE PAUL REVERE LIFE INSURANCE COMPANY | $104 | $0 | $104 | 0.18% |
| MELISSA PINE3 | 215 MARION ST HERKIMER, NY 13350 | THE PAUL REVERE LIFE INSURANCE COMPANY | $20 | $22 | $42 | 0.07% |
| 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% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY KERNAN & GILROY INC. | 210 CLINTON STREET NEW HARTFORD, NY 13413 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $3K | $6K | 19.12% |
| 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 | FIRST UNUM LIFE INSURANCE COMPANY | $21 | — | $21 | 3.68% |
| ADIRONDACK FINANCIAL SERVICES3 Filed as: ADIRONDACK FINANCIAL SERVICES CORP. | 185 GENESEE STREET, 2ND FLOOR UTICA, NY 13501 | FIRST UNUM LIFE INSURANCE COMPANY | $9 | — | $9 | 1.58% |
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 | 319 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 323 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUECROSS BLUESHIELD PLAN | 190 | $1.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 324 | $197K |
| Vision | HIGHMARK LIFE INSURANCE COMPANY | 522 | $41K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 324 | $225K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 324 | $197K |
| Prescription drug | EXCELLUS BLUECROSS BLUESHIELD PLAN | 190 | $1.3M |
| Other(5 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 415 | $317K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 522 | — |
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.