| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE AGENCY, INC. | ONE EMPIRE DRIVE RENSSELAER, NY 12144 | CAPITAL DISTRICT PHYSICIANS HEALTH PLAN INC. | $69K | — | $69K | 3.18% |
| HANYS BENEFIT SERVICES3 | ONE EMPIRE DRIVE RENSSELAER, NY 12144 | DELTA DENTAL OF NEW YORK | $4K | — | $4K | 2.00% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE AGENCY, INC. | ONE EMPIRE DRIVE RENSSELAER, NY 12144 | FIRST UNUM LIFE INSURANCE COMPANY | $4K | — | $4K | 9.88% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE AGENCY, INC. | ONE EMPIRE DRIVE RENSSELAER, NY 12144 | EYEMED | $4K | — | $4K | 13.32% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE AGENCY, INC. | ONE EMPIRE DRIVE RENSSELAER, NY 12144 | SUN LIFE AND HEALTH INSURANCE COMPANY U.S. | $830 | — | $830 | 15.19% |
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 | 164 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 33 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 203 | 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. | 302 | $2.3M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NEW YORK | 417 | $292K |
| Vision | EYEMED | 345 | $27K |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY U.S. | 8 | $5K |
| Prescription drug(3 contracts, 3 carriers) | CAPITAL DISTRICT PHYSICIANS HEALTH PLAN INC. | 302 | $2.3M |
| Other(3 contracts, 3 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 185 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 417 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.