| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GARY WOOD ASSOCIATES, INC.3 | 825 THIRD AVE. 2ND FL NEW YORK, NY 100220000 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $71K | $0 | $71K | 5.10% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SERV (NY) | 1133 WESTCHESTER AVE. STE 229 WHITE PLAINS, NY 10604 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $29K | $29K | 2.10% |
| GARY WOOD ASSOCIATES, INC.3 | 825 THIRD AVE. 2ND FL NEW YORK, NY 10022 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $2K | $358 | $2K | 17.84% |
| GARY WOOD ASSOCIATES, INC.3 | 825 THIRD AVE. 2ND FL NEW YORK, NY 100229527 | UNITEDHEALTHCARE INSURANCE COMPANY | $833 | $100 | $933 | 11.19% |
| GARY WOOD ASSOCIATES, INC.3 | 825 THIRD AVE. 2ND FL NEW YORK, NY 10022 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $451 | $117 | $568 | 15.10% |
| GARY WOOD ASSOCIATES, INC.3 | 825 THIRD AVE. 2ND FL NEW YORK, NY 10022 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $130 | $34 | $164 | 15.17% |
| PAYCHEX INSURANCE AGENCY, INC.3 | PO BOX 948 HENRIETTA, NY 14467 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | -$31 | $0 | -$31 | — |
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 | 221 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 221 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 183 | $1.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 183 | $1.4M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 133 | $8K |
| Life insurance | CIGNA LIFE INSURANCE CO. OF NEW YORK | 197 | $4K |
| Long-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 197 | $13K |
| Other | CIGNA LIFE INSURANCE CO. OF NEW YORK | 197 | $1K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 197 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.