| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES, INC | 100 MERIDIAN CENTER SUITE 100 ROCHESTER, NY 14618 | MVP SELECT CARE | $17K | — | $17K | 6.01% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY KERNAN & GILROY, INC. | PO BOX 542 NEW HARTFORD, NY 13413 | MVP SELECT CARE | $12K | — | $12K | 4.28% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 100 MERIDAN CENTER BLVD, SUITE 100 ROCHESTER, NY 14618 | GUARDIAN | — | $9K | $9K | 4.55% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 100 MERIDAN CENTER BLVD, SUITE 100 ROCHESTER, NY 14618 | GUARDIAN | $3K | — | $3K | 1.77% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY KERNAN & GILROY INC | PO BOX 542 NEW HARTFORD, NY 13413 | GUARDIAN | $1K | — | $1K | 0.74% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES | 100 MERIDIAN CENTER, SUITE 100 ROCHESTER, NY 14618 | FIRST UNUM LIFE INSURANCE COMPANY | $4K | — | $4K | 2.47% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES | 2 PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | FIRST UNUM LIFE INSURANCE COMPANY | — | $1K | $1K | 0.83% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY KERNAN & GILROY INC | PO BOX 542 NEW HARTFORD, NY 13413 | FIRST UNUM LIFE INSURANCE COMPANY | $270 | — | $270 | 0.17% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 100 MERIDIAN CENTER, SUITE 100 ROCHESTER, NY 14618 | FIRST UNUM LIFE INSURANCE COMPANY | $5K | — | $5K | 3.49% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2 PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | FIRST UNUM LIFE INSURANCE COMPANY | — | $977 | $977 | 0.71% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY KERNAN & GILROY INC | PO BOX 542 NEW HARTFORD, NY 13413 | FIRST UNUM LIFE INSURANCE COMPANY | $588 | — | $588 | 0.43% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 100 MERIDIAN CENTER SUITE 100 ROCHESTER, NY 14618 | MVP SELECT CARE | $126 | — | $126 | 6.73% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY KERNAN & GILROY INC | PO BOX 542 NEW HARTFORD, NY 13413 | MVP SELECT CARE | $82 | — | $82 | 4.38% |
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 | 444 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 453 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | MVP SELECT CARE | 914 | $282K |
| Dental | GUARDIAN | 280 | $197K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 514 | $162K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 531 | $137K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,845 | $715 |
| Other | FIRST UNUM LIFE INSURANCE COMPANY | 514 | $162K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,845 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.