| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY KERNAN & GILROY INC. | 210 CLINTON STREET NEW HARTFORD, NY 13413 | MVP HEALTHCARE | $47K | — | $47K | 4.06% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY KERNAN & GILROY INC. | 210 CLINTON STREET NEW HARTFORD, NY 13413 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $9K | $18K | 10.80% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY KERNAN & GILROY INC. | 210 CLINTON STREET NEW HARTFORD, NY 13413 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $4K | $9K | 12.04% |
| ADIRONDACK FINANCIAL SERVICES3 Filed as: ADIRONDACK FINANCIAL SERVICES CORP. | 185 GENESEE STREET, 2ND FLOOR UTICA, NY 13501 | THE PAUL REVERE LIFE INSURANCE COMPANY | $4K | $0 | $4K | 6.74% |
| TRISHA TYMINSKI3 | PO BOX 439 CONSTANTIA, NY 13044 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.26% |
| KEVIN EDWARDS3 | 8332 MOYER CARRIAGE CICERO, NY 13039 | THE PAUL REVERE LIFE INSURANCE COMPANY | $737 | $654 | $1K | 2.59% |
| VALERIE CELI3 | 6530 LAKEHORE ROAD CICERO, NY 13039 | THE PAUL REVERE LIFE INSURANCE COMPANY | $518 | $14 | $532 | 0.99% |
| MEAGAN M MARTIN3 | 6151 DIFFIN ROAD CICERO, NY 13039 | THE PAUL REVERE LIFE INSURANCE COMPANY | $189 | $258 | $447 | 0.83% |
| MALETA MAE SNELL3 | 6131 CORDERO DRIVE CICERO, NY 13039 | THE PAUL REVERE LIFE INSURANCE COMPANY | $62 | $136 | $198 | 0.37% |
| CHERYL O'BRIEN3 Filed as: CHERYL ANN EDWARDS | 8900 MICHIGAN AVE CICERO, NY 13039 | THE PAUL REVERE LIFE INSURANCE COMPANY | $117 | $77 | $194 | 0.36% |
| BENE SOLUNTIONS LLC3 | 8332 MOYER CARRIAGE CICERO, NY 13039 | THE PAUL REVERE LIFE INSURANCE COMPANY | $181 | $0 | $181 | 0.34% |
| ANTHONY MATRONE3 | 4797 ROUTE 31 CLAY, NY 13041 | THE PAUL REVERE LIFE INSURANCE COMPANY | $52 | $0 | $52 | 0.10% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY KERNAN & GILROY INC. | PO BOX 542 NEW HARTFORD, NY 13413 | THE PAUL REVERE LIFE INSURANCE COMPANY | $22 | $0 | $22 | 0.04% |
| KATHY W KUPIEC3 | 7306 CHARLES ROAD ROME, NY 13440 | THE PAUL REVERE LIFE INSURANCE COMPANY | $15 | $0 | $15 | 0.03% |
| MELISSA PINE3 | 215 MARION ST HERKIMER, NY 13350 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3 | $0 | $3 | 0.01% |
| 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% |
| JOHNSON KENDALL AND JOHNSON3 Filed as: JKJ BENEFITS INSURANCE AGENCY | 109 PHEASANT RUN NEWTOWN, PA 18940 | UNION SECURITY LIFE INSURANCE COMPANY | $388 | — | $388 | 15.00% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY KERNAN & GILROY INC. | PO BOX 542 NEW HARTFORD, NY 13413 | FIRST UNUM LIFE INSURANCE COMPANY | $18 | — | $18 | 4.58% |
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 | 302 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 311 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MVP HEALTHCARE | 255 | $1.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 310 | $164K |
| Vision | HIGHMARK LIFE INSURANCE COMPANY | 509 | $33K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 310 | $167K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 310 | $164K |
| Prescription drug | MVP HEALTHCARE | 255 | $1.2M |
| Other(5 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 370 | $292K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 509 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.