| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GARY WOOD ASSOCIATES, INC.3 | 1180 AVENUE OF THE AMERICAS 8TH FL NEW YORK, NY 100368401 | UNITEDHEALTHCARE INSURANCE COMPANY | $130K | $0 | $130K | 3.27% |
| GARY WOOD ASSOCIATES, INC.3 Filed as: GARY WOOD ASSOCIATES, INC | 1180 AVENUE OF THE AMERICAS 8TH FL NEW YORK, NY 10036 | HORIZON HEALTHCARE SERVICES, INC. | $45K | $0 | $45K | 3.45% |
| GARY WOOD ASSOCIATES, INC.3 | 1180 AVENUE OF THE AMERICAS 8TH FL NEW YORK, NY 10036 | HORIZON HEALTHCARE SERVICES, INC. | $17K | $0 | $17K | 3.45% |
| GARY WOOD ASSOCIATES, INC.3 | 1180 AVENUE OF THE AMERICAS 8TH FL NEW YORK, NY 100368401 | HORIZON HEALTHCARE SERVICES, INC. | $26K | $0 | $26K | 9.84% |
| GARY WOOD ASSOCIATES, INC.3 | 2 AQUARIUM LOOP DRIVE 2ND FL CAMDEN, NJ 08101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $0 | $11K | 15.32% |
| CONNER STRONG & BUCKELEW3 Filed as: CONNER STRONG & BUCKELEW COMPANY | PO BOX 99106 CAMDEN, NJ 08101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $476 | $5K | 7.99% |
| GARY WOOD ASSOCIATES, INC.3 | 1180 AVENUE OF THE AMERICAS 8TH FL NEW YORK, NY 10036 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $853 | $0 | $853 | 1.48% |
| GARY WOOD ASSOCIATES, INC.3 Filed as: GARY WOOD ASSOCIATES, INC | 1180 AVENUE OF THE AMERICAS 8TH FL NEW YORK, NY 10036 | UNITED HEALTHCARE INSURANCE COMPANY | $4K | $0 | $4K | 9.87% |
| GARY WOOD ASSOCIATES, INC.3 | 1180 AVENUE OF THE AMERICAS 8TH FL NEW YORK, NY 10036 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $716 | $0 | $716 | 17.05% |
| GARY WOOD ASSOCIATES, INC.3 | 1180 AVENUE OF THE AMERICAS 8TH FL NEW YORK, NY 10036 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $202 | $0 | $202 | 16.86% |
| GARY WOOD ASSOCIATES, INC.3 | 1180 AVENUE OF THE AMERICAS 8TH FL NEW YORK, NY 10036 | DELTA DENTAL OF NJ, INC. | $4K | $0 | $4K | 5998.39% |
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 | 580 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 15 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 604 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 308 | $5.3M |
| Dental(2 contracts, 2 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 451 | $269K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 369 | $43K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 140 | $79K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 32 | $58K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 133 | $507K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 140 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 451 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.