| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 784 TROY-SCHENECTADY ROAD LATHAM, NY 12110 | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | $16K | — | $16K | 4.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 784 TROY-SCHENECTADY ROAD LATHAM, NY 12110 | GUARDIAN | $4K | — | $4K | 7.50% |
| HOWARD J. ELIAS, INC.3 | 355 LEXINGTON AV 9FL NEW YORK, NY 10017 | GUARDIAN | $30 | — | $30 | 0.06% |
| WAG NY INC3 | 250 CROSSWAYS PK DR WOODBURY, NY 11797 | GUARDIAN | $24 | — | $24 | 0.05% |
| EMERSON REID LLC3 | 350 FIFTH AVENUE, SUITE 3700 NEW YORK, NY 10018 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $212 | — | $212 | 20.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 784 TROY-SCHENECTADY ROAD LATHAM, NY 12110 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $132 | — | $132 | 14.97% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: COOL INSURING AGENCY, INC. | 784 TROY-SCHENECTADY ROAD LATHAM, NY 12110 | UCM DIGITAL HEALTH | $1K | $9K | $10K | — |
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 | 87 | 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) | 90 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | 253 | $395K |
| Dental | GUARDIAN | 83 | $50K |
| Vision | GUARDIAN | 83 | $50K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 83 | $51K |
| Long-term disability | GUARDIAN | 83 | $50K |
| Other | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | 0 | $1K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 253 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.