| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADIRONDACK TRUST COMPANY3 Filed as: ADIRONDACK TRUST CO. FINANCIAL SERV | 31 CHURCH STREET, 4TH FLOOR P.O. BOX 336 SARATOGA SPRINGS, NY 12866 | HARTFORD LIFE AND ACCIDENT | $42K | — | $42K | 3.84% |
| ADIRONDACK TRUST COMPANY3 Filed as: ADIRONDACK TRUST CO. FINANCIAL SERV | 31 CHURCH STREET, 4TH FLOOR P.O. BOX 336 SARATOGA SPRINGS, NY 12866 | HARTFORD LIFE AND ACCIDENT | $119K | — | $119K | 14.97% |
| ADIRONDACK TRUST COMPANY3 Filed as: ADIRONDACK TRUST CO. FINANCIAL SERV | 31 CHURCH STREET, 4TH FLOOR P.O. BOX 336 SARATOGA SPRINGS, NY 12866 | HARTFORD LIFE AND ACCIDENT | $33K | — | $33K | 8.01% |
| ADIRONDACK TRUST COMPANY3 Filed as: ADIRONDACK TRUST CO. FINANCIAL SVCS | 31 CHURCH STREET, FOURTH FLOOR P.O. BOX 336 SARATOGA SPRINGS, NY 12866 | THE HARTFORD LIFE AND ACCIDENT | $6K | — | $6K | 1.38% |
| ADIRONDACK TRUST COMPANY3 Filed as: ADIRONDACK TRUST CO. FINANCIAL SERV | 31 CHURCH STREET, FOURTH FLOOR SARATOGA SPRINGS, NY 12866 | DELTA DENTAL OF NEW YORK | $0 | — | $0 | 0.00% |
| ONEGROUP NY INC3 Filed as: ONEGROUP NY, INC. | ONE GROUP CENTER 706 N. CLINTON STREET SYRACUSE, NY 13204 | METROPOLITAN PROPERTY AND CASUALTY INS. CO. | $4K | — | $4K | 10.01% |
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 | 10,589 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 110 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,699 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | 3,512 | $894K |
| Dental | DELTA DENTAL OF NEW YORK | 4,098 | $91K |
| Vision | DAVIS VISION | 3,330 | $247K |
| Life insurance | THE HARTFORD LIFE AND ACCIDENT | 4,165 | $402K |
| Short-term disability(2 contracts) | HARTFORD LIFE AND ACCIDENT | 6,066 | $1.9M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 846 | $409K |
| Other | METROPOLITAN PROPERTY AND CASUALTY INS. CO. | 205 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,066 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.