| 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 | $49K | — | $49K | 3.40% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY KERNAN & GILROY, INC. | PO BOX 542 NEW HARTFORD, NY 13413 | EXCELLUS BLUECROSS BLUESHIELD | $6K | — | $6K | 6.30% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY KERNAN & GILROY INC | 210 CLINTON RD NEW HARTFORD, NY 13413 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S) | $2K | — | $2K | 10.06% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY KERNAN & GILROY | 210 CLINTON ROAD NEW HARTFORD, NY 13413 | HM LIFE INSURANCE COMPANY OF NEW YORK | $2K | — | $2K | 10.00% |
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 | 463 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 481 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | EXCELLUS BLUECROSS BLUESHIELD | 174 | $1.5M |
| Dental | EXCELLUS BLUECROSS BLUESHIELD | 169 | $102K |
| Vision | HM LIFE INSURANCE COMPANY OF NEW YORK | 152 | $16K |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S) | 308 | $23K |
| Prescription drug(2 contracts) | EXCELLUS BLUECROSS BLUESHIELD | 174 | $1.5M |
| Other | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S) | 308 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 308 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.