| 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, | $210K | $0 | $210K | 3.86% |
| GARY WOOD ASSOCIATES, INC.3 Filed as: GARY WOOD ASSOCIATES INC | 825 THIRD AVE. 2ND FL NEW YORK, NY 10022 | GUARDIAN | $10K | $0 | $10K | 3.88% |
| NEW YORK RHB, LLC3 | 7600 JERICHO TPK 404 WOODBURY, NY 11797 | GUARDIAN | $343 | $0 | $343 | 0.13% |
| 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 | $570 | $4K | 7.30% |
| GARY WOOD ASSOCIATES, INC.3 | 825 THIRD AVE. 2ND FL NEW YORK, NY 10022 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 1.91% |
| GARY WOOD ASSOCIATES, INC.3 | 825 THIRD AVE. 2ND FL NEW YORK, NY 10022 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 15.00% |
| 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 | $682 | $0 | $682 | 17.05% |
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 | 612 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 13 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 634 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC, | 1,027 | $5.4M |
| Dental | GUARDIAN | 407 | $255K |
| Vision(2 contracts, 2 carriers) | EMPIRE HEALTHCHOICE ASSURANCE, INC, | 1,027 | $5.5M |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 122 | $56K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 112 | $57K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 122 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,027 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.