| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | 677 BROADWAY 4TH FLOOR ALBANY, NY 12207 | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN | $35K | — | $35K | 2.39% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK, INC. | 6 TOWER PLACE ALBANY, NY 12203 | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN | $16K | — | $16K | 1.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 677 BROADWAY 4TH FLOOR ALBANY, NY 12207 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $3K | $6K | 8.13% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK, INC. | 6 TOWER PLACE ALBANY, NY 12203 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $307 | — | $307 | 0.40% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 15094 ALBANY, NY 12212 | HM LIFE INSURANCE COMPANY OF NEW YORK | $731 | — | $731 | 6.45% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NY INC | 6 TOWER PLACE ALBANY, NY 12203 | HM LIFE INSURANCE COMPANY OF NEW YORK | $402 | — | $402 | 3.55% |
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 | 153 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN | 260 | $1.5M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 134 | $76K |
| Vision | HM LIFE INSURANCE COMPANY OF NEW YORK | 102 | $11K |
| Prescription drug | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN | 260 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 260 | — |
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.