| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AUSTIN & CO INC3 | 20 CORPORATE WOODS BLVD ALBANY, NY 12211 | EMPIRE HEALTHCHOICE ASSURANCE, INC | $54K | — | $54K | 4.12% |
| AUSTIN & CO INC3 | 20 CORPORATE WOODS BLVD ALBANY, NY 12211 | GUARDIAN | $997 | — | $997 | 1.80% |
| AUSTIN & CO INC3 | 20 CORPORATE WOODS BLVD ALBANY, NY 12211 | GUARDIAN | $335 | — | $335 | 0.60% |
| AUSTIN & CO INC3 Filed as: AUSTIN AND CO. INC | 20 CORPORATE WOODS BLVD ALBANY, NY 122112396 | RELIASTAR LIFE INSURANCE COMPANY OF NEW YORK | $2K | — | $2K | 9.39% |
| AUSTIN & CO INC3 Filed as: AUSTIN AND CO. INC | 20 CORPORATE WOODS BLVD ALBANY, NY 122112396 | RELIASTAR LIFE INSURANCE COMPANY OF NEW YORK | $145 | — | $145 | 0.61% |
| AUSTIN & CO INC3 | 20 CORPORATE WOODS BLVD ALBANY, NY 12211 | GUARDIAN | $328 | — | $328 | 8.29% |
| AUSTIN & CO INC3 | 20 CORPORATE WOODS BLVD ALBANY, NY 12211 | GUARDIAN | $74 | — | $74 | 1.87% |
| AUSTIN & CO INC3 | 20 CORPORATE WOODS BLVD ALBANY, NY 122112350 | FIRST UNUM LIFE INSURANCE COMPANY | $362 | — | $362 | 14.26% |
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 | 307 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 313 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC | 455 | $1.3M |
| Dental | GUARDIAN | 288 | $55K |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC | 455 | $1.3M |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY OF NEW YORK | 285 | $24K |
| Long-term disability | GUARDIAN | 288 | $55K |
| Other(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY OF NEW YORK | 285 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 455 | — |
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.
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.