| 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 BLUE CROSS BLUE SHIELD | $65K | $0 | $65K | 3.18% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY KERNAN & GILROY, IN | 210 CLINTON ST NEW HARTFORD, NY 13413 | GUARDIAN LIFE INSURANCE COMPANY | $13K | $0 | $13K | 6.61% |
| MJ INSURANCE3 Filed as: VARIOUS BROKERS | — | AMERITAS LIFE INSURANCE COMPANY | $10K | $0 | $10K | 12.62% |
| JOSEPH PAUL PEPLINSKI3 | 4243 CANOE CREEK LANE LIVERPOOL, NY 13090 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | $19 | $1K | 9.92% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY KERNAN & GILROY INC | PO BOX 542 NEW HARTFORD, NY 13413 | THE PAUL REVERE LIFE INSURANCE COMPANY | $838 | $0 | $838 | 6.37% |
| PERRY L KANFER3 | 525 PLUM STREET SYRACUSE, NY 13204 | THE PAUL REVERE LIFE INSURANCE COMPANY | $119 | $21 | $140 | 1.06% |
| SHEILA ANN WILSON3 | 36 SHARYL DRIVE CENTRAL SQUARE, NY 13036 | THE PAUL REVERE LIFE INSURANCE COMPANY | $38 | $0 | $38 | 0.29% |
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 | 105 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 106 | $2.1M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 110 | $200K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 110 | $200K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 110 | $282K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY | 110 | $200K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY | 110 | $200K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 106 | $2.1M |
| Other(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 110 | $214K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 110 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.