| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GARY WOOD ASSOCIATES, INC.3 | 1180 AVENUE OF THE AMERICAS 8TH FL NEW YORK, NY 10036 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $131K | $0 | $131K | 3.67% |
| 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. | $25K | $0 | $25K | 1.90% |
| GARY WOOD ASSOCIATES, INC.3 | 1180 AVENUE OF THE AMERICAS 8TH FL NEW YORK, NY 10036 | HORIZON HEALTHCARE SERVICES, INC. | $10K | $0 | $10K | 1.90% |
| 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 | $26K | $0 | $26K | 8.32% |
| GARY WOOD ASSOCIATES, INC.3 | 2 AQUARIUM LOOP DRIVE 2ND FL CAMDEN, NJ 08101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $0 | $13K | 15.11% |
| GARY WOOD ASSOCIATES, INC.3 | 1180 AVENUE OF THE AMERICAS 8TH FL NEW YORK, NY 10036 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $24K | $0 | $24K | 44.44% |
| CONNER STRONG & BUCKELEW3 Filed as: CONNER STRONG & BUCKELEW COMPANY | PO BOX 99106 CAMDEN, NJ 08101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$20K | -$2K | -$22K | -40.56% |
| GARY WOOD ASSOCIATES, INC.3 | 1180 AVENUE OF THE AMERICAS 8TH FL NEW YORK, NY 10036 | ANTHEM LIFE INSURANCE COMPANY | $2K | $0 | $2K | 8.16% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS, CORP. | 1540 CORNERSTONE BLVD. STE 230 DAYTONA BEACH, FL 32117 | EQUITABLE FINANCIAL LIFE | $1K | $0 | $1K | 16.70% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA NEWARK, NJ 07105 | EQUITABLE FINANCIAL LIFE | $0 | $435 | $435 | 6.89% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE- BENEFITMALL | 12404 PARK CENTRAL DRIVE STE 400S DALLAS, TX 75251 | EQUITABLE FINANCIAL LIFE | $0 | $351 | $351 | 5.56% |
| GARY WOOD ASSOCIATES, INC.3 | 1180 AVENUE OF THE AMERICAS 8TH FL NEW YORK, NY 10036 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $781 | $0 | $781 | 16.95% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHY ALLIANCE LIFE INSURANCE CO EIN 86-0257201 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing; Float revenue Service code 12 | — | $8K |
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 | 528 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 544 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 1,163 | $6.9M |
| Dental(2 contracts, 2 carriers) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 1,163 | $3.9M |
| Vision(2 contracts, 2 carriers) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 1,163 | $3.9M |
| Life insurance(4 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 341 | $124K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 108 | $55K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 162 | $529K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 341 | $117K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,163 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.