| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 677 BROADWAY, 4TH FLOOR ALBANY, NY 12207 | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | $46K | — | $46K | 2.83% |
| CAROL SENETA3 Filed as: CAROL L. SENETA | 121 GLEN AVE SCOTIA, NY 12302 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $266 | — | $266 | 3.18% |
| TIMOTHY BERRYHILL3 | 1789 WESTERN AVENUE ALBANY, NY 12203 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $78 | — | $78 | 0.93% |
| CAROL SENETA3 | 121 GLEN AVE SCHENECTADY, NY 12302 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $315 | — | $315 | 13.99% |
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 | 149 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | 343 | $1.6M |
| Life insurance | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | 8 | $8K |
| Prescription drug(2 contracts) | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | 343 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 343 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.