| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSE & KIERNAN INC3 | 99 TROY RD PO BOX 640 EAST GREENBUSH, NY 12061 | CAPITAL DISTRICT PHYSICIANS HEALTH PLAN INC | $198K | — | $198K | 2.61% |
| DELTA DENTAL OF NEW YORK3 Filed as: DELTA DENTAL OF NEW YORK INC | — | CAPITAL DISTRICT PHYSICIANS HEALTH PLAN INC | $6K | — | $6K | 1.08% |
| ROSE & KIERNAN INC3 | 99 TROY ROAD PO BOX 640 EAST GREENBUSH, NY 12061 | CAPITAL DISTRICT PHYSICIANS HEALTH PLAN INC | $670 | — | $670 | 0.13% |
| THE CAPITAL GROUP LLC3 Filed as: CAPITAL DISTRICT PHYSICIANS HEALTHC | — | CAPITAL DISTRICT PHYSICIANS HEALTH PLAN INC | $80 | — | $80 | 0.02% |
| ROSE & KIERNAN INC3 | 99 TROY ROAD EAST GREENBUSH, NY 12061 | AETNA LIFE INSURANCE CO | $10K | $0 | $10K | 3.70% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS | 144 TURNPIKE RD STE 330 SOUTHBOROUGH, MA 01772 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $13K | $8K | $21K | 14.63% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS | 144 TURNPIKE RD STE 330 SOUTHBOROUGH, MA 01772 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $6K | $3K | $9K | 14.62% |
| ROSE & KIERNAN INC3 | 99 TROY ROAD EAST GREENBUSH, NY 12061 | EMPIRE HEALTH CHOICE ASSURANCE INC | $2K | $1K | $3K | 6.91% |
| DELTA DENTAL OF NEW YORK3 Filed as: DELTA DENTAL OF NEW YORK INC | — | CAPITAL DISTRICT PHYSICIANS HEALTH PLAN INC | $75 | — | $75 | 1.13% |
| THE CAPITAL GROUP LLC3 Filed as: CAPITAL DISTRICT PHYSICIANS HEALTHC | — | CAPITAL DISTRICT PHYSICIANS HEALTH PLAN INC | $4 | — | $4 | 0.06% |
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 | 1,234 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 323 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,557 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | CAPITAL DISTRICT PHYSICIANS HEALTH PLAN INC | 1,028 | $8.1M |
| Dental | DELTA DENTAL OF NEW YORK | 1,266 | $0 |
| Vision | EMPIRE HEALTH CHOICE ASSURANCE INC | 969 | $42K |
| Life insurance | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 621 | $61K |
| Long-term disability | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 623 | $142K |
| Prescription drug(3 contracts) | CAPITAL DISTRICT PHYSICIANS HEALTH PLAN INC | 1,028 | $8.1M |
| Other | CAPITAL DISTRICT PHYSICIANS HEALTH PLAN INC | 1,028 | $7.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,266 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.