| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: COOL INSURING AGENCY INC. | 784 TROY SCHENECTADY RD LATHAM, NY 12110 | UNITEDHEALTHCARE INSURANCE COMPANY | $173K | — | $173K | 4.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK INC. | 200 LIBERTY ST, FL. 6 NEW YORK, NY 10281 | UNITEDHEALTHCARE INSURANCE COMPANY | $55K | — | $55K | 3.14% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: COOL INSURING AGCY INC. | 784 TROY SCHENECTADY RD LATHAM, NY 12110 | UNITEDHEALTHCARE INSURANCE COMPANY | $15K | — | $15K | 0.86% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: COOL INSURING AGENCY INC. | 784 TROY SCHENECTADY ROAD QUEENSBURY, NY 12110 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $33K | — | $33K | 6.43% |
| FIORELLA INSURANCE AGENCY3 Filed as: FIORELLA INSURANCE AGENCY INC. | 515 SE CENTRAL PARKWAY STUART, FL 34994 | HEALTH OPTIONS | $15K | — | $15K | 6.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK INC. | 200 LIBERTY STREET NEW YORK, NY 10281 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 5.86% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: COOL INSURING AGENCY INC. | 784 TROY SCHENECTADY RD QUEENSBURY, NY 12110 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 1.90% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: COOL INSURING AGENCY INC. | ATTN CHRISTOPHER HAGEN 784 TROY SCHENECTADY RD LATHAM, NY 12110 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | $3K | — | $3K | 1.94% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK INC. | 1 WORLD FINANCIAL CTR LOBBY C NEW YORK, NY 10281 | HEALTH OPTIONS | $5K | — | $5K | 6.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: COOL INSURING AGENCY INC. | 784 TROY SCHENECTADY ROAD LATHAM, NY 12110 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $2K | — | $2K | 4.03% |
| FIORELLA INSURANCE AGENCY3 Filed as: FIORELLA INSURANCE AGENCY INC | 515 SE CENTRAL PARKWAY STUART, FL 34994 | BLUE CROSS BLUE SHIELD OF FLORIDA | $2K | — | $2K | 6.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK INC. | ATTN MARIA MCHUGH 200 LIBERTY STREET NEW YORK, NY 10281 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | $1K | — | $1K | 2.89% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: COOL INSURING AGENCY INC. | ATTN CHRISTOPHER HAGEN LATHAM, NY 12110 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | $470 | — | $470 | 1.16% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK INC. | 200 LIBERTY ST NEW YORK, NY 10281 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $426 | — | $426 | 2.39% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: COOL INSURING AGENCY INC. | 784 TROY SCHENECTADY RD LATHAM, NY 12110 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $287 | — | $287 | 1.61% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK INC. | 1 WORLD FINANCIAL CENTER LOBBY C NEW YORK, NY 10281 | BLUE CROSS BLUE SHIELD OF FLORIDA | $1K | — | $1K | 6.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: COOL INSURING AGENCY | 784 TROY SCHENECTADY RD LATHAM, NY 12110 | AETNA | $2K | — | $2K | 9.03% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK | 1 WORLD FINANCIAL CTR NEW YORK, NY 10281 | AETNA | $577 | — | $577 | 4.86% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: COOL INSURING AGENCY | 784 TROY SCHENECTADY RD LATHAM, NY 12110 | AETNA | $544 | — | $544 | 4.58% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: COOL INSURING AGENCY INC. | 784 TROY SCHENECTADY RD LATHAM, NY 12110 | HARTFORD LIFE INSURANCE CO. | $410 | — | $410 | 15.00% |
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 | 811 | 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. |
| Total participants (= "Plan participants" tile) | 820 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 4 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 276 | $6.7M |
| Dental(4 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 808 | $764K |
| Vision(2 contracts) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 637 | $61K |
| Life insurance(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 808 | $735K |
| Long-term disability(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 808 | $735K |
| Prescription drug(4 contracts, 2 carriers) | HEALTH OPTIONS | 23 | $391K |
| Other(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 811 | $738K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 811 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.