| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | 144 TURNPIKE RD SUITE 330 SOUTHBOROUGH, MA 01772 | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | $447K | — | $447K | 2.70% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SVCS INC - EMPIRE | 500 PLUM STREET SUITE 200 SYRACUSE, NY 13204 | EXCELLUS BLUE CROSS BLUE SHIELD | $38K | — | $38K | 3.89% |
| BROWN & BROWN INSURANCE SERVICES3 | 144 TURNPIKE RD SUITE 330 SOUTHBOROUGH, MA 01772 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $117K | — | $117K | 18.37% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF FLORIDA | PO BOX 745834 ATLANTA, GA 30374 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $34K | — | $34K | 5.43% |
| IMG3 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $309 | $309 | 0.05% |
| BROWN & BROWN INSURANCE SERVICES3 | 300 N. BEACH ST DAYTONA BEACH, FL 32114 | INDEPENDENT HEALTH BENEFITS CORPORATION | $12K | — | $12K | 2.86% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF NEW YORK, INC. | 45 EAST AVE. ROCHESTER, NY 14604 | INDEPENDENT HEALTH BENEFITS CORPORATION | $4K | — | $4K | 0.99% |
| BROWN & BROWN INSURANCE SERVICES3 | 144 TURNPIKE ROAD, STE. 330 SOUTHBOROUGH, MA 01772 | EYEMED VISION CARE | $12K | — | $12K | 11.40% |
| BROWN & BROWN INSURANCE SERVICES3 | 500 PLUM STREET SUITE 200 SYRACUSE, NY 13204 | EYEMED VISION CARE | $12K | — | $12K | 11.40% |
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 | 1,352 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,367 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | 1,769 | $18.0M |
| Vision | EYEMED VISION CARE | 2,395 | $105K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,352 | $635K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,352 | $635K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,352 | $635K |
| Prescription drug(3 contracts, 3 carriers) | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | 1,769 | $18.0M |
| Other(4 contracts, 4 carriers) | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | 2,843 | $17.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,843 | — |
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.