| 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 | $52K | — | $52K | 2.94% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | CAPITAL DISTRICT PHYSICIANS HEALTH PLAN INC | $5K | — | $5K | 0.27% |
| ANCHOR AGENCY INC3 | 61 COLVIN AVENUE ALBANY, NY 12206 | EMPIRE HEALTHCHOICE ASSURANCE INC | $6K | — | $6K | 3.84% |
| VARIOUS - SEE ATTACHED3 | 5 BERKSHIRE DR EAST GREENBUSH, NY 12061 | AFLAC | $12K | $1K | $14K | 18.10% |
| ANCHOR AGENCY INC3 Filed as: ANCHOR AGENCY | 652 ALBANY SHAKER ROAD ALBANY, NY 12211 | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC | $2K | — | $2K | 3.41% |
| ANCHOR AGENCY INC3 | 652 ALBANY SHAKER ROAD ALBANY, NY 12211 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $3K | $8K | 14.08% |
| PIONEER PACIFIC FINANCIAL3 Filed as: PIONEER BENEFITS CONSULTING | — | UNITED CONCIERGE MEDICINE | $2K | — | $2K | 11.05% |
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 | 265 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 285 | 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 | 282 | $1.8M |
| Dental | EMPIRE HEALTHCHOICE ASSURANCE INC | 343 | $157K |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE INC | 343 | $157K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 230 | $54K |
| Other(2 contracts, 2 carriers) | AFLAC | 263 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 343 | — |
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."
No prospect flags tripped on this filing.