| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AUSTIN & CO INC3 | 20 CORPORATE WOODS BLVD ALBANY, NY 12211 | HIGHMARK WESTERN AND NORTHEASTERN NEW YORK INC | $33K | — | $33K | 4.12% |
| NORVEST FINANCIAL SERVICES INC3 | 930 ALBANY SHAKER ROAD LATHAM, NY 12110 | STANDARD OF NEW YORK | $4K | $0 | $4K | 6.19% |
| AUSTIN & CO INC3 | 20 CORPORATE WOODS BLVD ALBANY, NY 12211 | AMTHEN BLUE CROSS | $3K | — | $3K | 5.33% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP | 965 GREENTREE ROAD STE110 PITTSBURGH, PA 15220 | AMTHEN BLUE CROSS | — | $788 | $788 | 1.45% |
| NORVEST FINANCIAL SERVICES INC3 | 930 ALBANY SHAKER ROAD LATHAM, NY 12110 | STANDARD OF NEW YORK | $5K | — | $5K | 10.90% |
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 | 107 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK WESTERN AND NORTHEASTERN NEW YORK INC | 74 | $792K |
| Dental | AMTHEN BLUE CROSS | 74 | $54K |
| Vision | AMTHEN BLUE CROSS | 74 | $54K |
| Life insurance | STANDARD OF NEW YORK | 82 | $66K |
| Long-term disability | STANDARD OF NEW YORK | 82 | $43K |
| Prescription drug | HIGHMARK WESTERN AND NORTHEASTERN NEW YORK INC | 74 | $792K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 82 | — |
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.