| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY KERNAN & KILROY, INC. | — | MVP HEALTHCARE | $57K | $0 | $57K | 4.06% |
| BROKER NOT PROVIDED3 | — | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $0 | $12K | 6.20% |
| JOSEPH PAUL PEPLINSKI3 | 4243 CANOE CREEK LANE LIVERPOOL, NY 13090 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | $295 | $1K | 15.02% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY KERNAN & GILROY INC | PO BOX 542 NEW HARTFORD, NY 13413 | THE PAUL REVERE LIFE INSURANCE COMPANY | $778 | $0 | $778 | 7.92% |
| PERRY L KANFER3 | 5918 E SENECA TURNPIKE JAMESVILLE, NY 13078 | THE PAUL REVERE LIFE INSURANCE COMPANY | $26 | $154 | $180 | 1.83% |
| SHEILA ANN WILSON3 | 36 SHARYL DRIVE CENTRAL SQUARE, NY 13036 | THE PAUL REVERE LIFE INSURANCE COMPANY | $101 | $0 | $101 | 1.03% |
| WAYNE SCHUTT3 Filed as: WAYNE SCOTT | 66 HAMLIN STREET CORTLAND, NY 13045 | THE PAUL REVERE LIFE INSURANCE COMPANY | $51 | $0 | $51 | 0.52% |
| UNITED WEALTH ADVISORS GRP, LLC3 | 6800 PITTSFORD PALMYRA RD STE 250 FAIRPORT, NY 14450 | AMERITAS LIFE INSURANCE COMPANY | $6K | $0 | $6K | 86.00% |
| ARNOLD N PECHLER IV3 | 6800 PITTSFORD PALMYRA RD STE 250 FAIRPORT, NC 14450 | AMERITAS LIFE INSURANCE COMPANY | $4K | $0 | $4K | 67.01% |
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 | 106 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MVP HEALTHCARE | 244 | $1.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 247 | $198K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 247 | $198K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 247 | $204K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 247 | $198K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 247 | $198K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 247 | $207K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 247 | — |
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.
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.