| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AUSTIN & CO INC3 Filed as: AUSTIN & CO INC. | 20 CORPORATE WOODS BLVD 4TH FLR ALBANY, NY 12211 | UNITEDHEALTHCARE INSURANCE COMPANY | $79K | $0 | $79K | 4.00% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC | — | GUARDIAN LIFE INSURANCE COMPANY | $0 | $5K | $5K | 3.69% |
| AUSTIN & CO INC3 Filed as: AUSTIN & CO INC. | 20 CORPORATE WOODS BLVD ALBANY, NY 12211 | GUARDIAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 3.07% |
| AUSTIN & CO INC3 Filed as: AUSTIN & CO INC. | 20 CORPORATE WOODS BLVD 4TH FLR ALBANY, NY 12211 | HARTFORD LIFE AND ACCIDENT | $6K | $42 | $6K | 7.73% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGCY AN ALERA GROUP LLC | 155 PINELAWN RD STE 120 S MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $3K | $3K | 7.88% |
| AUSTIN & CO INC3 Filed as: AUSTIN & CO INC. | 20 CORPORATE WOODS BLVD ALBANY, NY 12211 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $3K | $0 | $3K | 6.97% |
| AUSTIN & CO INC3 Filed as: AUSTIN & CO INC. | 20 CORPORATE WOODS BLVD ALBANY, NY 12211 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $3K | $0 | $3K | 13.89% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGCY AN ALERA GROUP LLC | 155 PINELAWN RD STE 120 S MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $2K | $2K | 7.89% |
| AUSTIN & CO INC3 Filed as: AUSTIN & CO INC. | 20 CORPORATE WOODS BLVD ALBANY, NY 12211 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | $0 | $2K | 10.02% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGCY AN ALERA GROUP LLC | 155 PINELAWN RD STE 120 S MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $1K | $1K | 7.89% |
| AUSTIN & CO INC3 Filed as: AUSTIN & CO INC. | 20 CORPORATE WOODS BLVD ALBANY, NY 12211 | ANTHEM BLUE CROSS AND BLUE SHIELD | $228 | $0 | $228 | 3.94% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC | 965 GREENTREE RD STE 110 PITTSBURGH, PA 15220 | ANTHEM BLUE CROSS AND BLUE SHIELD | $0 | $71 | $71 | 1.23% |
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 | 186 | 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) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 210 | $2.0M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 144 | $128K |
| Vision | ANTHEM BLUE CROSS AND BLUE SHIELD | 184 | $6K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 193 | $97K |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 193 | $117K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 186 | $19K |
| Other | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 186 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 210 | — |
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.