| 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 | MVP HEALTHCARE | $68K | — | $68K | 4.50% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY KERNAN & GILROY INC. | PO BOX 542 NEW HARTFORD, NY 13413 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | $3K | $14K | 6.54% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY KERNAN & GILROY INC. | PO BOX 542 NEW HARTFORD, NY 13413 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $2K | $7K | 5.51% |
| ADIRONDACK FINANCIAL SERVICES3 Filed as: ADIRONDACK FINANCIAL SERVICES CORP. | 185 GENESEE ST. UTICA, NY 13501 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | — | $2K | 4.74% |
| BMB BENEFITS GROUP INC3 | 334 GRAY ST. HERKIMER, NY 13350 | THE PAUL REVERE LIFE INSURANCE COMPANY | $851 | $15 | $866 | 2.27% |
| KEVIN EDWARDS3 | 8332 MOYER CARRIAGE CICERO, NY 13039 | THE PAUL REVERE LIFE INSURANCE COMPANY | $346 | — | $346 | 0.91% |
| DONALD H MATSON3 | 8 ROSEWOOD DR AUBURN, NY 13021 | THE PAUL REVERE LIFE INSURANCE COMPANY | $224 | $11 | $235 | 0.62% |
| CHERYL O'BRIEN3 Filed as: CHERYL ANN EDWARDS | 8900 MICHIGAN AVE CICERO, NY 13039 | THE PAUL REVERE LIFE INSURANCE COMPANY | $171 | — | $171 | 0.45% |
| VALERIE CELI3 Filed as: VALERIE CELL | 6530 LAKEHORE ROAD CICERO, NY 13039 | THE PAUL REVERE LIFE INSURANCE COMPANY | $168 | — | $168 | 0.44% |
| TRISHA TYMINSKI3 | 41 DORIS PARK DRIVE CONSTANTIA, NY 13044 | THE PAUL REVERE LIFE INSURANCE COMPANY | $32 | — | $32 | 0.08% |
| MEAGAN M MARTIN3 | 517 PARK AVENUE SYRACUSE, NY 13204 | THE PAUL REVERE LIFE INSURANCE COMPANY | $27 | — | $27 | 0.07% |
| ANTHONY MATRONE3 Filed as: ANTHONY MATRON | 4297 ROUTE 31 CLAY, NY 13041 | THE PAUL REVERE LIFE INSURANCE COMPANY | $27 | — | $27 | 0.07% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY KERNAN & GILROY INC. | PO BOX 542 NEW HARTFORD, NY 13413 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| JOSEPH PAUL PEPLINSKI3 | 4243 CANOE CREEK LANE LIVERPOOL, NY 13090 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| ADIRONDACK FINANCIAL SERVICES3 Filed as: ADIRONDACK FINANCIAL SERVICES CORP. | 185 GENESEE ST. UTICA, NY 13501 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| ADIRONDACK FINANCIAL SERVICES3 Filed as: ADIRONDACK FINANCIAL SERVICES CORP. | 185 GENESEE ST. SUITE 210 UTICA, NY 13501 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $3K | — | $3K | 15.01% |
| 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 | 338 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 339 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MVP HEALTHCARE | 261 | $1.5M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 355 | $217K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 503 | $34K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 355 | $239K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 355 | $217K |
| Prescription drug | MVP HEALTHCARE | 261 | $1.5M |
| Other(5 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 385 | $409K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 503 | — |
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.