| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AUSTIN & CO INC3 Filed as: AUSTIN AND CO, INC | 20 CORPORATE WOODS BLVD ALBANY, NY 12211 | OXFORD HEALTH INSURANCE, INC. | $121K | — | $121K | 3.29% |
| AUSTIN & CO INC3 | 20 CORPORATE WOODS BLVD ALBANY, NY 12211 | GUARDIAN | $8K | $2K | $10K | 7.24% |
| AUSTIN & CO INC3 Filed as: AUSTIN AND CO INC | 20 CORPORATE WOODS BLVD. ALBANY, NY 122112396 | RELIASTAR LIFE INSURANCE COMPANY OF NEW YORK | $7K | — | $7K | 10.00% |
| AUSTIN & CO INC3 | 20 CORPORATE WOODS BLVD ALBANY, NY 12211 | GUARDIAN | $1K | $132 | $1K | 13.16% |
| HOWARD J. ELIAS, INC.3 | 355 LEXINGTON AVENUE 9FL NEW YORK, NY 10017 | GUARDIAN | $4 | — | $4 | 0.04% |
| AUSTIN & CO INC5 | 20 CORPORATE WOODS BLVD ALBANY, NY 122112350 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | $0 | $1K | 15.00% |
| AUSTIN & CO INC3 | 20 CORPORATE WOODS BLVD ALBANY, NY 12211 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $186 | — | $186 | 3.96% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENEFIT ANALYSIS, INC EIN 22-2615990 NONE | Claims processing; Contract Administrator Service code 12 | — | $5K |
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 | 279 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 14 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 297 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC. | 483 | $3.7M |
| Dental | GUARDIAN | 279 | $141K |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 80 | $5K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY OF NEW YORK | 325 | $66K |
| Long-term disability | GUARDIAN | 279 | $141K |
| Other(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY OF NEW YORK | 325 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 483 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.