| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANCHOR AGENCY INC3 Filed as: ANCHOR AGENCY | 652 ALBANY SHAKER ROAD ALBANY, NY 12211 | CAPITAL DISTRICT PHYSICIANS HEALTH PLAN INC | $62K | — | $62K | 4.05% |
| ANCHOR AGENCY INC3 | PO BOX 11799 ALBANY, NY 12211 | EMPIRE HEALTHCHOICE ASSURANCE INC | $10K | — | $10K | 8.51% |
| ROSE & KIERNAN INC3 Filed as: ROSE AND KIERNAN INC | 99 TROY ROAD EAST GREENBUSH, NY 12061 | EMPIRE HEALTHCHOICE ASSURANCE INC | -$25 | $415 | $390 | 0.33% |
| ANCHOR AGENCY INC3 Filed as: ANCHOR AGENCY | 652 ALBANY SHAKER ROAD ALBANY, NY 12211 | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC | $2K | — | $2K | 3.37% |
| VARIOUS - SEE ATTACHED3 | 5 BERKSHIRE DR EAST GREENBUSH, NY 12061 | AFLAC | $25K | $26 | $25K | 46.11% |
| ANCHOR AGENCY INC3 | 652 ALBANY SHAKER ROAD ALBANY, NY 12211 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 8.63% |
| ANCHOR AGENCY INC3 Filed as: ANCHOR AGENCY | 652 ALBANY SHAKER ROAD ALBANY, NY 12211 | UNITED CONCIERGE MEDICINE | $2K | — | $2K | 12.51% |
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 | 270 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 288 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CAPITAL DISTRICT PHYSICIANS HEALTH PLAN INC | 164 | $1.6M |
| Dental | EMPIRE HEALTHCHOICE ASSURANCE INC | 351 | $117K |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE INC | 351 | $117K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 241 | $51K |
| Other(2 contracts, 2 carriers) | AFLAC | 266 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 351 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.