| 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. | $239K | — | $239K | 2.59% |
| LIFETIME BENEFIT SOLUTIONS, INC.3 | 2457 STATE RT. 7, SUITE 1, P.O. BOX 340 COBLESKILL, NY 12043 | EXCELLUS BLUECROSS BLUESHIELD | $17K | — | $17K | 4.49% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO, INC. | SUITE 310 1305 WALT WHITMAN RD., MELVILLE, NY 11747 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $30K | — | $30K | 10.60% |
| 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 | 12.20% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO., INC. | SUITE 310 1305 WALT WHITMAN RD., MELVILLE, NY 11747 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 9.36% |
| BENETECH INC3 | 3333 PINNACLE HILL PKWY SUITE 250 ROGERS, AR 72758 | THE GUARDIAN LIFE INSURANCE CO. OF AMERICA | $9K | — | $9K | 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 | $6K | — | $6K | 27.93% |
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 | 841 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 846 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CAPITAL DISTRICT PHYSICIANS HEALTH PLAN INC. | 1,218 | $9.8M |
| Dental(2 contracts, 2 carriers) | CAPITAL DISTRICT PHYSICIANS HEALTH PLAN INC. | 1,218 | $9.3M |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 801 | $109K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 794 | $117K |
| Prescription drug(2 contracts, 2 carriers) | CAPITAL DISTRICT PHYSICIANS HEALTH PLAN INC. | 1,218 | $9.6M |
| Other(2 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 841 | $302K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,218 | — |
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.