| 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 | $12K | — | $12K | 3.02% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY KERNAN & GILROY INC | 210 CLINTON ROAD NEW HARTFORD, NY 13413 | GUARDIAN | $22K | $4K | $26K | 8.97% |
| WORLD INSURANCE ASSOCIATES LLC Filed as: GILROY KERNAN & GILROY INC | 210 CLINTON ROAD NEW HARTFORD, NY 13413 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | — | $12K | 6.46% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY KERNAN & GILROY, INC. | 210 CLINTON ROAD NEW HARTFORD, NY 134135305 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 12.05% |
| ADIRONDACK FINANCIAL SERVICES3 | 185 GENESEE ST FL 2 UTICA, NY 135012102 | METROPOLITAN LIFE INSURANCE COMPANY | $337 | — | $337 | 0.86% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DAVIS VISION, INC. EIN 11-3051991 NONE | Claims processing Service code 12 | 881 ELKRIDGE ROAD, SUITE 300 LINTHICUM, MD 21090 | $0 |
| DELTA DENTAL OF NEW YORK EIN 11-1980218 NONE | Claims processing Service code 12 | 11 PENNSYLVANIA PLAZA NEW YORK, NY 10001 | $0 |
| EXCELLUS BLUE CROSS BLUE-SHIELD EIN 15-0329043 NONE | Claims processing Service code 12 | 165 COURT STREET ROCHESTER, NY 14647 | $0 |
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 | 1,279 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 185 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,464 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW YORK | 1,062 | $0 |
| Vision | DAVIS VISION | 1,076 | $34K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,279 | $192K |
| Short-term disability | GUARDIAN | 469 | $294K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,279 | $192K |
| Stop-loss / reinsurancereinsurance | EXCELLUS BLUECROSS BLUESHIELD | 611 | $406K |
| Other(4 contracts, 3 carriers) | GUARDIAN | 1,279 | $545K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,279 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.