| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AUSTIN & CO INC3 | 20 CORPORATE WOODS BLVD ALBANY, NY 12211 | OXFORD HEALTH INSURANCE, INC. | $48K | $4K | $52K | 3.25% |
| AUSTIN & CO INC3 Filed as: AUSTIN & COMPANY, INC. | 20 CORPORATE WOODS BLVD ALBANY, NY 12211 | AETNA LIFE INSURANCE CO. | $5K | — | $5K | 3.13% |
| AUSTIN & CO INC3 | 20 CORPORATE WOODS BLVD ALBANY, NY 12211 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 5.14% |
| AUSTIN & CO INC3 | 20 CORPORATE WOODS BLVD ALBANY, NY 12211 | HARTFORD LIFE INSURANCE CO. | $4K | — | $4K | 13.54% |
| AUSTIN & CO INC3 | 20 CORPORATE WOODS BLVD ALBANY, NY 122112350 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $141 | $2K | 16.25% |
| AUSTIN & CO INC3 | 20 CORPORATE WOODS BLVD ALBANY, NY 122112350 | FIRST UNUM LIFE INSURANCE COMPANY | $361 | $54 | $415 | 9.55% |
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 | 233 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 233 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | OXFORD HEALTH INSURANCE, INC. | 245 | $1.7M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 245 | $260K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 201 | $120K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 225 | $126K |
| Long-term disability | HARTFORD LIFE INSURANCE CO. | 198 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 245 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.