| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AUSTIN & CO INC3 Filed as: AUSTIN & CO., INC. | 20 CORPORATE WOODS BLVD ALBANY, NY 12211 | OXFORD HEALTH INSURANCE, INC. | $83K | — | $83K | 4.22% |
| AUSTIN & CO INC3 Filed as: AUSTIN & COMPANY INC | 20 CORPORATE WOODS BLVD ALBANY, NY 12211 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | $608 | $5K | 4.61% |
| AUSTIN & CO INC3 | 20 CORPORATE WOODS BLVD ALBANY, NY 12211 | FIRST UNUM LIFE INSURANCE COMPANY | $4K | $502 | $5K | 13.06% |
| AUSTIN & CO INC3 | 20 CORPORATE WOODS BLVD ALBANY, NY 12211 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $234 | $2K | 11.70% |
| AUSTIN & CO INC3 | 20 CORPORATE WOODS BLVD ALBANY, NY 12211 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $137 | $2K | 16.24% |
| AUSTIN & CO INC3 Filed as: AUSTIN & CO INC. | 20 CORPORATE WOODS BLVD ALBANY, NY 12211 | UNITED HEALTHCARE INSURANCE COMPANY | $815 | — | $815 | 10.75% |
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 | 207 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC. | 289 | $2.0M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 207 | $119K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 100 | $8K |
| Life insurance(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 220 | $30K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 197 | $37K |
| Other(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 220 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 289 | — |
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.