| 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 | $104K | $0 | $104K | 2.58% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 965 GREENTREE ROAD PITTSBURGH, PA 15220 | ANTHEM BLUE CROSS AND BLUE SHIELD | $0 | $715 | $715 | 0.02% |
| AUSTIN & CO INC3 Filed as: AUSTIN & COMPANY INC | 20 CORPORATE WOODS BLVD ALBANY, NY 12211 | HARTFORD LIFE AND ACCIDENT | $5K | $166 | $5K | 12.14% |
| AUSTIN & CO INC3 Filed as: AUSTIN & COMPANY INC | 20 CORPORATE WOODS BLVD ALBANY, NY 12211 | LINCOLN LIFE & ANNUITY COMPANY OF AMERICA | $4K | $1K | $5K | 14.40% |
| AUSTIN & CO INC3 Filed as: AUSTIN & COMPANY INC | 20 CORPORATE WOODS BLVD ALBANY, NY 12211 | LINCOLN LIFE & ANNUITY COMPANY OF AMERICA | $5K | $1K | $6K | 18.50% |
| AUSTIN & CO INC3 Filed as: AUSTIN & COMPANY INC | 20 CORPORATE WOODS BLVD ALBANY, NY 12211 | LINCOLN LIFE & ANNUITY COMPANY OF AMERICA | $3K | $1K | $4K | 11.85% |
| AUSTIN & CO INC3 Filed as: AUSTIN & COMPANY INC | 20 CORPORATE WOODS BLVD ALBANY, NY 12211 | LINCOLN LIFE & ANNUITY COMPANY OF AMERICA | $2K | $857 | $3K | 12.60% |
| AUSTIN & CO INC3 | 20 CORPORATE WOODS BLVD 4TH FL ALBANY, NY 12211 | HARTFORD LIFE AND ACCIDENT | $3K | $138 | $3K | 13.99% |
| AUSTIN & CO INC3 | 20 CORPORATE WOODS BLVD ALBANY, NY 122112350 | FIRST UNUM LIFE INS CO | $2K | $436 | $2K | 14.60% |
| AUSTIN & CO INC3 | 20 CORPORATE WOODS BLVD ALBANY, NY 122112350 | FIRST UNUM LIFE INS CO | $3K | $335 | $3K | 27.99% |
| AUSTIN & CO INC3 Filed as: AUSTIN & COMPANY INC | 20 CORPORATE WOODS BLVD ALBANY, NY 12211 | LINCOLN LIFE & ANNUITY COMPANY OF AMERICA | $1K | $265 | $1K | 18.50% |
| AUSTIN & CO INC3 Filed as: AUSTIN & COMPANY INC | 20 CORPORATE WOODS BLVD ALBANY, NY 12211 | DELTA DENTAL OF NEW YORK | $745 | $0 | $745 | — |
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 | 212 | 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) | 212 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS AND BLUE SHIELD | 408 | $4.0M |
| Dental | DELTA DENTAL OF NEW YORK | 418 | $0 |
| Vision | ANTHEM BLUE CROSS AND BLUE SHIELD | 408 | $4.0M |
| Life insurance(3 contracts, 2 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF AMERICA | 212 | $56K |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF AMERICA | 146 | $24K |
| Long-term disability(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 201 | $96K |
| Other(6 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 212 | $137K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 418 | — |
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.