| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AUSTIN & CO INC3 Filed as: AUSTIN & CO., INC. | 20 CORPORATE WOODS BLVD. ALBANY, NY 122112396 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $77K | $4K | $81K | 4.24% |
| AUSTIN & CO INC3 | 20 CORPORATE WOODS BLVD ALBANY, NY 12211 | MUTUAL OF OMAHA INSURANCE COMPANY | $5K | — | $5K | 7.73% |
| AUSTIN & CO INC3 Filed as: AUSTIN & COMPANY INC | 20 CORPORATE WOODS BLVD ALBANY, NY 12211 | DELTA DENTAL OF NEW YORK | $2K | — | $2K | 5.00% |
| AUSTIN & CO INC3 | 20 CORPORATE WOODS BLVD ALBANY, NY 12211 | COMPANION LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| AUSTIN & CO INC3 Filed as: AUSTIN & CO., INC. | 20 CORPORATE WOODS BLVD. ALANAY, NY 12211 | DELTA DENTAL OF NEW YORK | $615 | — | $615 | 5.00% |
| AUSTIN & CO INC3 | 20 CORPORATE WOODS BLVD ALBANY, NY 12211 | COMPANION LIFE INSURANCE COMPANY | $763 | — | $763 | 10.00% |
| AUSTIN & CO INC3 Filed as: AUSTIN & CO., INC. | 20 CORPORATE WOODS BLVD. ALBANY, NY 122112396 | VISION SERVICE PLAN | $567 | — | $567 | 7.48% |
| AUSTIN & CO INC3 | 20 CORPORATE WOODS BLVD ALBANY, NY 12211 | MUTUAL OF OMAHA INSURANCE COMPANY | $154 | — | $154 | 9.98% |
| AUSTIN & CO INC3 | 20 CORPORATE WOODS BLVD ALBANY, NY 12211 | MUTUAL OF OMAHA INSURANCE COMPANY | $63 | — | $63 | 10.02% |
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 | 137 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 182 | $1.9M |
| Dental(2 contracts) | DELTA DENTAL OF NEW YORK | 78 | $48K |
| Vision | VISION SERVICE PLAN | 76 | $8K |
| Life insurance(4 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 166 | $22K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 166 | $61K |
| Other(2 contracts) | MUTUAL OF OMAHA INSURANCE COMPANY | 0 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 182 | — |
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.