| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENETECH INC3 Filed as: BENETECH, INC. | 1 DODGE STREET, PO BOX 348 WYNANTSKILL, NY 12198 | CAPITAL DISTRICT PHYSICIANS HEALTH PLAN INC. | $200K | — | $200K | 2.70% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO, INC. | SUITE 310 1305 WALT WHITMAN RD., MELVILLE, NY 11747 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $33K | — | $33K | 11.81% |
| LIFETIME BENEFIT SOLUTIONS, INC.3 | 2457 STATE RT. 7, SUITE 1, P.O. BOX 340 COBLESKILL, NY 12043 | EXCELLUS BLUECROSS BLUESHIELD | $12K | — | $12K | 4.13% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO., INC. | SUITE 310 1305 WALT WHITMAN RD., MELVILLE, NY 11747 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 13.61% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO., INC. | SUITE 310 1305 WALT WHITMAN RD., MELVILLE, NY 11747 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 10.43% |
| BENETECH INC3 | 3333 PINNACLE HILL PKWY SUITE 250 ROGERS, AR 72758 | THE GUARDIAN LIFE INSURANCE CO. OF AMERICA | $8K | — | $8K | 18.10% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO., INC. | SUITE 310 1305 WALT WHITMAN ROAD MELVILLE, NY 11747 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 11.52% |
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 | 822 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 825 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | EXCELLUS BLUECROSS BLUESHIELD | 39 | $470K |
| Dental(2 contracts, 2 carriers) | CAPITAL DISTRICT PHYSICIANS HEALTH PLAN INC. | 1,161 | $7.5M |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 763 | $105K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 748 | $105K |
| Prescription drug | EXCELLUS BLUECROSS BLUESHIELD | 27 | $281K |
| Other(2 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 822 | $301K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,161 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.