| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GARY WOOD ASSOCIATES, INC.3 | 1180 AVENUE OF THE AMERICAS 8TH FL NEW YORK, NY 100368401 | UNITEDHEALTHCARE INSURANCE COMPANY | $67K | $0 | $67K | 4.39% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE NEW YORK | 1133 WESTCHESTER AVE. STE S229 WEST HARRISON, NY 106043546 | UNITEDHEALTHCARE INSURANCE COMPANY | $22K | $0 | $22K | 1.42% |
| GARY WOOD ASSOCIATES, INC.3 | 118 AVENUE OF THE AMERICAS 8TH FL NEW YORK, NY 100368401 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | $0 | $9K | 10.00% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS | 1180 AVENUE OF THE AMERICAS 8TH FL NEW YORK, NY 10036 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $2K | $0 | $2K | 14.54% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS | 1180 AVENUE OF THE AMERICAS 8TH FL NEW YORK, NY 10036 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $1K | $0 | $1K | 10.17% |
| GARY WOOD ASSOCIATES, INC.3 | 1180 AVENUE OF THE AMERICAS 8TH FL NEW YORK, NY 10036 | UNITEDHEALTHCARE INSURANCE COMPANY | $940 | $0 | $940 | 10.91% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS | 1180 AVENUE OF THE AMERICAS 8TH FL NEW YORK, NY 10036 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $123 | $0 | $123 | 10.68% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA BEHAVIORAL HEALTH, INC. EIN 41-1648670 NONE | Claims processing; Contract Administrator Service code 12 | — | $4K |
| WAGEWORKS EIN 94-3351864 NONE | Contract Administrator; Claims processing Service code 12 | — | $1K |
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 | 150 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 227 | $1.5M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 114 | $95K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 118 | $9K |
| Life insurance | CIGNA LIFE INSURANCE CO. OF NEW YORK | 200 | $13K |
| Long-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 171 | $15K |
| Other(2 contracts) | CIGNA LIFE INSURANCE CO. OF NEW YORK | 200 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 227 | — |
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."
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.