| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AUSTIN & CO INC3 | 20 CORPORATE WOODS BLVD ALBANY, NY 12211 | EMPIRE HEALTHCHOICE ASURANCE, INC | $171K | $0 | $171K | 4.04% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 965 GREENTREE RD, STE 110 PITTSBURGH, PA 15220 | EMPIRE HEALTHCHOICE ASURANCE, INC | $0 | $2K | $2K | 0.05% |
| AUSTIN & CO INC3 | 20 CORPORATE WOODS BLVD ALBANY, NY 12211 | FIRST UNUM LIFE INSURANCE COMPANY | $6K | $3K | $8K | 9.35% |
| AUSTIN & CO INC3 | 20 CORPORATE WOODS BLVD ALBANY, NY 12211 | FIRST UNUM LIFE INSURANCE COMPANY | $4K | $736 | $5K | 9.81% |
| AUSTIN & CO INC3 | 20 CORPORATE WOODS BLVD ALBANY, NY 12211 | FIRST UNUM LIFE INSURANCE COMPANY | $4K | $467 | $4K | 18.31% |
| AUSTIN & CO INC3 | 20 CORPORATE WOODS BLVD ALBANY, NY 12211 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $411 | $3K | 12.92% |
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 | 205 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASURANCE, INC | 208 | $4.2M |
| Dental | EMPIRE HEALTHCHOICE ASURANCE, INC | 208 | $4.2M |
| Vision | EMPIRE HEALTHCHOICE ASURANCE, INC | 208 | $4.2M |
| Life insurance(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 241 | $46K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 210 | $46K |
| Other(3 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 241 | $137K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 241 | — |
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.