| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AUSTIN & CO INC3 Filed as: AUSTIN & CO., INC. | 20 CORPORATE WOODS BLVD ALBANY, NY 12211 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $63K | $4K | $67K | 2.18% |
| AUSTIN & CO INC3 Filed as: AUSTIN & CO., INC. | 20 CORPORATE WOODS BLVD ALBANY, NY 12211 | HARTFORD LIFE AND ACCIDENT | $5K | $159 | $5K | 9.29% |
| AUSTIN & CO INC3 Filed as: AUSTIN & CO., INC. | 20 CORPORATE WOODS BLVD ALBANY, NY 12211 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | $544 | $4K | 7.72% |
| AUSTIN & CO INC3 Filed as: AUSTIN & CO., INC. | 20 CORPORATE WOODS BLVD ALBANY, NY 12211 | FIRST UNUM LIFE INSURANCE COMPANY | $4K | $359 | $5K | 14.94% |
| AUSTIN & CO INC3 Filed as: AUSTIN & CO., INC. | 20 CORPORATE WOODS BLVD ALBANY, NY 12211 | DELTA DENTAL OF NEW YORK | $660 | $0 | $660 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENEFIT ANALYSIS, INC. EIN 22-2615990 NONE | Contract Administrator; Claims processing Service code 12 | — | $462 |
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 | 198 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 388 | $3.1M |
| Dental | DELTA DENTAL OF NEW YORK | 360 | $0 |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 388 | $3.1M |
| Life insurance(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 198 | $79K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 183 | $50K |
| Other(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 198 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 388 | — |
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.