| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GARY WOOD ASSOCIATES, INC.3 | 1212 AVENUE OF THE AMERICAS 9TH FL STE 900 NEW YORK, NY 100361602 | UNITEDHEALTHCARE INSURANCE COMPANY | $69K | — | $69K | 5.67% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE NEW YORK | 1133 WESTCHESTER AVE. STE S229 WEST HARRISON, NY 106043546 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $15K | $15K | 1.24% |
| GARY WOOD ASSOCIATES, INC.3 | 1212 AVENUE OF THE AMERICAS 9TH FL STE 900 NEW YORK, NY 100368401 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 9.19% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS | 1180 AVENUE OF THE AMERICAS 8TH FL NEW YORK, NY 10036 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $2K | — | $2K | 9.81% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS | 1180 AVENUE OF THE AMERICAS 8TH FL NEW YORK, NY 10036 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $2K | — | $2K | 15.00% |
| GARY WOOD ASSOCIATES, INC.3 | 1212 AVENUE OF THE AMERICAS 9TH FL STE 900 NEW YORK, NY 10036 | UNITEDHEALTHCARE INSURANCE COMPANY | $554 | — | $554 | 9.18% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS | 1180 AVENUE OF THE AMERICAS 8TH FL NEW YORK, NY 10036 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $94 | — | $94 | 11.94% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WAGEWORKS EIN 94-3351864 NONE | Contract Administrator; Claims processing Service code 12 | — | $900 |
| GENTE EIN 05-0554053 NONE | Claims processing; Contract Administrator Service code 12 | — | $215 |
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 | 116 | 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. |
| Total participants (= "Plan participants" tile) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 137 | $1.2M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 81 | $67K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 83 | $6K |
| Life insurance | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 190 | $18K |
| Long-term disability | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 102 | $13K |
| Other(2 contracts) | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 190 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 190 | — |
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.
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.