| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GARY WOOD ASSOCIATES, INC.3 Filed as: GARY WOOD ASSOCAITES, INC | 1180 AVENUE OF THE AMERICAS 8TH FL NEW YORK, NY 10036 | EMPIRE HEALTHCHOICE ASSURANCE, INC | $38K | $0 | $38K | 3.89% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BLVD. HAUPPAUGE, NY 11788 | EMPIRE HEALTHCHOICE ASSURANCE, INC | $10K | $0 | $10K | 1.07% |
| SAVOY ASSOCIATES3 Filed as: DONALD SAVOY, INC | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | EMPIRE HEALTHCHOICE ASSURANCE, INC | -$48 | $0 | -$48 | -0.00% |
| GARY WOOD ASSOCIATES, INC.3 Filed as: GARY WOOD ASSOCIATES, INC | 1180 AVENUE OF THE AMERICAS 8TH FL NEW YORK, NY 10036 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | $0 | $8K | 9.91% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE ONS & FIN SERV (NY) | 1133 WESTCHESTER AVENUE SUITE 229 WHITE PLAINS, NY 10604 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $3K | $3K | 3.96% |
| GARY WOOD ASSOCIATES, INC.3 Filed as: GARY WOOD ASSOCIATES, INC | 1180 AVENUE OF THE AMERICAS 8TH FL NEW YORK, NY 10036 | SUN LIFE AND HEALTH INSURANCE | $6K | $0 | $6K | 14.33% |
| THE DBL CENTER LTD3 | 555 BROADHOLLOW ROAD STE 271 MELVILLE, NY 11747 | SUN LIFE AND HEALTH INSURANCE | $0 | $2K | $2K | 5.00% |
| GARY WOOD ASSOCIATES, INC.3 Filed as: GARY WOOD ASSOCIATES, INC | 1180 AVENUE OF THE AMERICAS 8TH FL NEW YORK, NY 10036 | EYE MED | $1K | $0 | $1K | 14.40% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CHOICE STRATEGIES EIN 94-3351864 NONE | Claims processing; Contract Administrator Service code 12 | — | $4K |
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 | 148 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC | 219 | $973K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 107 | $84K |
| Vision | EYE MED | 113 | $9K |
| Life insurance | SUN LIFE AND HEALTH INSURANCE | 122 | $44K |
| Short-term disability | SUN LIFE AND HEALTH INSURANCE | 122 | $44K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE | 122 | $44K |
| Other | SUN LIFE AND HEALTH INSURANCE | 122 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 219 | — |
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.