| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY KERNAN & GILROY | 210 CLINTON ROAD NEW HARTFORD, NY 134135305 | UNITEDHEALTHCARE INSURANCE COMPANY | $58K | — | $58K | 3.54% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY RD, SUITE 403 WOODBURY, NY 117972530 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $17K | $22K | 1.37% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES, INC. | 180 RIVER ROAD, SUITE 400 SUMMIT, NJ 07901 | THE GUARDIAN LIFE INSURANCE COMPANY | $11K | $809 | $12K | 10.46% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 1060 BROADWAY, SUITE 400 ALBANY, NY 12204 | THE GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 1.44% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY KERNAN & GILROY IN | 210 CLINTON RD, PO BOX 542 NEW HARTFORD, NY 13413 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 9.31% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS | 718 RIVER ROAD FAIR HAVEN, NJ 07704 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 5.42% |
| FNA INSURANCE SERVICES IN3 | 1000 WOODBURY RD, 4TH FL, SUITE 403 WOODBURY, NY 11797 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 3.39% |
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 | 320 | 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) | 320 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 293 | $1.6M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 293 | $1.6M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 293 | $1.6M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 320 | $62K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 304 | $113K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 320 | $62K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 320 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 320 | — |
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.