See the carriers, broker commissions and premiums for this plan.
It also shows filing history and funding margin. Your first month is $4.99.
See 8 contract rows with premium, retention and renewal dates. $4.99 for your first month.
Solo adds 10-year history, peer benchmarks, provider and welfare analytics, saves, and exports. Then $34.99 a month.
See commissions and fees for 6 broker rows. $4.99 for your first month.
Solo adds 10-year history, peer benchmarks, provider and welfare analytics, saves, and exports. Then $34.99 a month.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY CARE PHYSICIANS EIN 14-1660131 HEALTH PLAN ADMIN | Contract Administrator Service code 13 | PO BOX 10025 ALBANY, NY 12201 | $189K |
| CAPITAL DISTRICT PHYSICIAN'S HEALTH EIN 14-1641028 HEALTH PLAN ADMIN | Plan Administrator Service code 14 | 500 PATROON CREEK BLVD ALBANY, NY 12206 | $145K |
| PHYSICAL THERAPY ASSOC -SCHENECTADY EIN 14-1637577 HEALTH PLAN ADMIN | Plan Administrator Service code 14 | 1533 UNION STREET SCHENECTADY, NY 12309 | $110K |
| ROSE & KIERNAN, INC. EIN 14-1559111 INSURANCE CONSULTANT | Insurance agents and brokers Service code 22 | 99 TROY ROAD EAST GREENBUSH, NY 12061 | $38K |
| HUMAN RESOURCE ASSOCIATES EIN 14-1666062 EAP ADMIN | Contract Administrator Service code 13 | 3 ATRIUM DRIVE, SUITE 202 ALBANY, NY 12205 | $14K |
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 | 381 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 392 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN, INC | 2 | $5K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 292 | $194K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 292 | $194K |
| Life insurance | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 377 | $49K |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 372 | $36K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 385 | $32K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | 273 | $152K |
| Other(4 contracts, 2 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 385 | $152K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 385 | — |
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 the prior year. Good candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. This is either a small-plan minimum fee or an inefficient broker structure open to a counter-bid.