| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LABOR FIRST LLC | 3000 MIDLANTIC DRIVE, ST 101 MT. LAUREL, NJ 08054 | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CHRISTOPHER BAXTER EIN 14-1418020 EMPLOYEE | Employee (plan) Service code 30 | 37 LUZERNE ROAD QUEENSBURY, NY 12804 | $101K |
| KETHEM NOVICK EIN 14-1418020 EMPLOYEE | Employee (plan) Service code 30 | 37 LUZERNE ROAD QUEENSBURY, NY 12804 | $84K |
| BOLTON PARTNERS NORTHEAST, INC. EIN 27-3666661 NONE | Actuarial Service code 11 | 2277 STATE HIGHWAY 33 SUITE 409 TRENTON, NJ 08690 | $46K |
| COLUMBIA MANAGEMENT EIN 13-3180631 NONE | Investment management Service code 28 | — | $45K |
| EXPRESS SCRIPTS EIN 43-1420563 NONE | Claims processing Service code 12 | PO BOX 52150 PHOENIX, AZ 85072 | $41K |
| BANK OF AMERICA EIN 93-6207280 NONE | Investment management Service code 28 | 100 N TRYON ST. CHARLOTTE, NC 28255 | $35K |
| KRAKOW SOURIS & LANDRY. LLC EIN 04-3363718 NONE | Legal Service code 29 | 225 FRIEND STREET 503 BOSTON, MA 02114 | $18K |
| D'ARCANGELO & CO., LLP EIN 13-2550103 NONE | Accounting (including auditing) Service code 10 | 120 LOMOND COURT UTICA, NY 13502 | $16K |
| JOSEPH W. MCCARTHY & ASSOCS. SPECIA EIN 16-1120588 NONE | Accounting (including auditing) Service code 10 | 7644 RT. 31 WEST BALDWINSVILLE, NY 13027 | $16K |
| LOOMIS SAYLES EIN 04-3200030 NONE | Investment management Service code 28 | 1384 OLD FREEPORT ROAD, SUITE A2 PITTSBURGH, PA 15238 | $7K |
| BOSTON PARTNERS EIN 98-0202744 NONE | Investment management Service code 28 | 1 BEACON STREET 30TH FLOOR BOSTON, MA 02108 | $7K |
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 | 337 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 67 | Continuation coverage (COBRA, retiree health). |
| Beneficiaries receiving benefits | 9 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 413 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 419 | $102K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC | 589 | $449K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 589 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.