| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 784 TROY-SCHENECTADY ROAD LATHAM, NY 12110 | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC | $32K | $0 | $32K | 3.39% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY RD SUITE 403 WOODBURY, NY 11797 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.23% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: COOL INSURING AGENCY INC | 784 TROY-SCHENECTADY RD SUITE 200 LATHAM, NY 12110 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 784 TROY-SCHENECTADY ROAD LATHAM, NY 12110 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $54 | $1K | 1.77% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $486 | $194 | $680 | 0.99% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING INC | 110 MAIN ST POUGHKEEPSIE, NY 12601 | METROPOLITAN LIFE INSURANCE COMPANY | $138 | $0 | $138 | 0.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 30 CENTURY HILL DRIVE SUITE 200 LATHAM, NY 12110 | HM LIFE INSURANCE COMPANY OF NEW YORK | $635 | $0 | $635 | 7.36% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: COOL INSURING AGENCY | 784 TROY-SCHENECTADY RD LATHAM, NY 12110 | HM LIFE INSURANCE COMPANY OF NEW YORK | $228 | $0 | $228 | 2.64% |
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 | 219 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 219 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 219 | $69K |
| Vision | HM LIFE INSURANCE COMPANY OF NEW YORK | 100 | $9K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 219 | $69K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 219 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 219 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.