| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GARY WOOD ASSOCIATES, INC.3 | 825 THIRD AVE. 2ND FL NEW YORK, NY 10022 | EMPIRE HEALTHCHOICE ASSURANCE, INC, | $158K | $1K | $159K | 3.94% |
| GARY WOOD ASSOCIATES, INC.3 Filed as: GARY WOOD ASSOCIATES INC | 825 THIRD AVE, 2ND FL NEW YORK, NY 10022 | GUARDIAN | $6K | $0 | $6K | 3.13% |
| NEW YORK RHB, LLC3 | 120 BROADWAY 37TH FL NEW YORK, NY 10271 | GUARDIAN | $30 | $0 | $30 | 0.02% |
| CONNER STRONG & BUCKELEW3 Filed as: CONNER STRONG & BUCKELEW COMPANY | 401 ROUTE 73 N. LAKE CENTER EXEC PARK #300 MARLTON, NJ 08053 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $410 | $4K | 7.73% |
| GARY WOOD ASSOCIATES, INC.3 | 825 THIRD AVE. 2ND FL NEW YORK, NY 10022 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 2.12% |
| GARY WOOD ASSOCIATES, INC.3 | 825 THIRD AVENUE 2ND FL NEW YORK, NY 10022 | GUARDIAN | $1K | $0 | $1K | 2.18% |
| NEW YORK RHB, LLC3 Filed as: NEW YORK RHB, INC. | 120 BROADWAY 37TH FL NEW YORK, NY 10271 | GUARDIAN | $12 | $0 | $12 | 0.02% |
| GARY WOOD ASSOCIATES, INC.3 | 825 THIRD AVE. 2ND FL NEW YORK, NY 10022 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 15.72% |
| GARY WOOD ASSOCIATES, INC.3 Filed as: GARY WOOD ASSOCIATES INC. | 825 THIRD AVE, 2ND FL NEW YORK, NY 10065 | FORT DEARBORN LIFE INSURANCE COMPANY | $634 | $0 | $634 | 16.88% |
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 | 620 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 635 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC, | 828 | $4.0M |
| Dental(2 contracts) | GUARDIAN | 325 | $230K |
| Vision(2 contracts, 2 carriers) | EMPIRE HEALTHCHOICE ASSURANCE, INC, | 828 | $4.1M |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 120 | $45K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 103 | $51K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 120 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 828 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.