| 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 | $88K | — | $88K | 4.61% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY RD, SUITE 403 WOODBURY, NY 117972530 | UNITEDHEALTHCARE INSURANCE COMPANY | $35K | $5K | $40K | 2.08% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES, INC. | 180 RIVER ROAD, FLOOR 2 SUMMIT, NJ 07901 | THE GUARDIAN LIFE INSURANCE COMPANY | $11K | $5K | $16K | 16.01% |
| 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 | $9K | — | $9K | 12.84% |
| FNA INSURANCE SERVICES IN3 | 1000 WOODBURY RD, 4TH FL, SUITE 403 WOODBURY, NY 11797 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $3K | $3K | 4.68% |
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 | 289 | 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) | 289 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 313 | $1.9M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 313 | $1.9M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 313 | $1.9M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 289 | $69K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 283 | $100K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 289 | $69K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 289 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 313 | — |
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.