| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC | 855 ROUTE 146, SUITE 235 CLIFTON PARK, NY 12065 | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | — | $46K | $46K | 3.74% |
| BRIGHTLINE DEALER ADVISORS, LLC | 15301 DALLAS PARKWAY, SUITE 500 ADDISON, TX 75001 | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | $7K | — | $7K | 0.59% |
| USI INSURANCE SERVICES LLC3 | 726 EXCHANGE ST STE 616 BUFFALO, NY 14210 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $3K | — | $3K | 11.55% |
| BRIGHTLINE DEALER ADVISORS, LLC3 Filed as: BRIGHTLINE DEALER .AIVISORS LLC | 15301 DALLAS PARKWAY STE 500 ADDISON, TX 75001 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $759 | — | $759 | 3.45% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $250 | $250 | 1.14% |
| USI INSURANCE SERVICES LLC3 | 530 PRESTON AVE, P.O. BOX 1040 MERIDEN, CT 06450 | GUARDIAN | $3K | $514 | $3K | 24.62% |
| BRIGHTLINE DEALER ADVISORS, LLC Filed as: BRIGHTLINE DEALER ADVISORS LLC | 15301 DALLAS PARKWAY, SUITE 500 ADDISON, TX 75001 | GUARDIAN | $491 | — | $491 | 3.54% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 726 EXCHANGE ST STE 616 BUFFALO, NY 14210 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $301 | — | $301 | 11.27% |
| BRIGHTLINE DEALER ADVISORS, LLC3 Filed as: BRIGHTLINE DEALER ADVISORS LLC | 15301 DALLAS PARKWAY STE 500 ADDISON, TX 75001 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $79 | — | $79 | 2.96% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $26 | $26 | 0.97% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | — | — | $0 | — |
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 | 13 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 13 | 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. | 0 | $1.2M |
| Dental | GUARDIAN | 118 | $14K |
| Vision | GUARDIAN | 118 | $14K |
| Life insurance(2 contracts) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 45 | $25K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 118 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 118 | — |
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."
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.