| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AUSTIN & CO INC3 | 20 CORPORATE WOODS BLVD ALBANY, NY 122112350 | ANTHEM BLUE CROSS AND BLUE SHIELD | $114K | $0 | $114K | 2.95% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 965 GREENTREE ROAD PITTSBURGH, PA 15220 | ANTHEM BLUE CROSS AND BLUE SHIELD | $0 | $683 | $683 | 0.02% |
| AUSTIN & CO INC3 | 20 CORPORATE WOODS BLVD 4TH FL ALBANY, NY 12211 | HARTFORD LIFE AND ACCIDENT | $5K | $151 | $5K | 7.37% |
| AUSTIN & CO INC3 | 20 CORPORATE WOODS BLVD ALBANY, NY 122112350 | FIRST UNUM LIFE INS CO | $5K | $0 | $5K | 8.16% |
| AUSTIN & CO INC3 | 20 CORPORATE WOODS BLVD ALBANY, NY 122112350 | FIRST UNUM LIFE INS CO | $6K | $0 | $6K | 16.75% |
| AUSTIN & CO INC3 Filed as: AUSTIN & COMPANY INC | 20 CORPORATE WOODS BLVD ALBANY, NY 12211 | DELTA DENTAL OF NEW YORK | $676 | $0 | $676 | — |
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 | 379 | 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) | 379 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS AND BLUE SHIELD | 408 | $3.9M |
| Dental | DELTA DENTAL OF NEW YORK | 411 | $0 |
| Vision | ANTHEM BLUE CROSS AND BLUE SHIELD | 408 | $3.9M |
| Life insurance(2 contracts) | FIRST UNUM LIFE INS CO | 231 | $95K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 196 | $64K |
| Other(2 contracts) | FIRST UNUM LIFE INS CO | 231 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 411 | — |
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.