| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADIRONDACK TRUST COMPANY3 Filed as: ADIRONDACK TRUST CO. FINANCIAL SERV | 31 CHURCH STREET, FOURTH FLOOR SARATOGA SPRINGS, NY 12866 | DELTA DENTAL OF NEW YORK | $16K | $16K | $32K | 2.98% |
| ADIRONDACK TRUST COMPANY3 Filed as: ADIRONDACK TRUST CO. FINANCIAL SERV | 31 CHURCH STREET, 4TH FLOOR P.O. BOX 336 SARATOGA SPRINGS, NY 12866 | FIRST UNUM LIFE INSURANCE CO. | $101K | $101K | $201K | 25.41% |
| ADIRONDACK TRUST COMPANY3 Filed as: ADIRONDACK TRUST CO. FINANCIAL SERV | 31 CHURCH STREET, 4TH FLOOR P.O. BOX 336 SARATOGA SPRINGS, NY 12866 | FIRST UNUM LIFE INSURANCE COMPANY | $15K | $15K | $30K | 7.68% |
| ADIRONDACK TRUST COMPANY3 Filed as: ADIRONDACK TRUST CO. FINANCIAL SVCS | 31 CHURCH STREET, FOURTH FLOOR P.O. BOX 336 SARATOGA SPRINGS, NY 12866 | FIRST UNUM LIFE INSURANCE COMPANY | $5K | $5K | $10K | 2.82% |
| ADIRONDACK TRUST COMPANY3 Filed as: ADIRONDACK TRUST CO. FINANCIAL SERV | 31 CHURCH STREET, 4TH FLOOR P.O. BOX 336 SARATOGA SPRINGS, NY 12866 | FIRST UNUM LIFE INSURANCE COMPANY | $6K | $6K | $12K | 6.51% |
| ONEGROUP NY INC3 Filed as: ONEGROUP NY, INC. | ONE GROUP CENTER 706 N. CLINTON STREET SYRACUSE, NY 13204 | METROPOLITAN PROPERTY AND CASUALTY INS. CO. | $3K | — | $3K | 9.51% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAPITAL DISTRICT PHYSICIAN'S HEALTH EIN 14-1641028 CLAIMS ADMINISTRATION | Contract Administrator; Claims processing Service code 12 | 500 PATROON CREEK BLVD ALBANY, NY 17055 | $775K |
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 | 7,826 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 75 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,901 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW YORK | 4,209 | $1.1M |
| Vision | DAVIS VISION | 3,146 | $203K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 1,790 | $348K |
| Short-term disability(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE CO. | 2,894 | $1.2M |
| Long-term disability(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE CO. | 666 | $970K |
| Other | METROPOLITAN PROPERTY AND CASUALTY INS. CO. | 148 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,209 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.