| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AUSTIN & CO INC3 Filed as: AUSTIN AND CO., INC. | 20 CORPORATE WOODS BLVD. ALBANY, NY 12211 | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | $39K | — | $39K | 3.32% |
| AUSTIN & CO INC3 Filed as: AUSTIN & CO., INC. | 20 CORPORATE WOODS BLVD. ALBANY, NY 122112350 | FIRST UNUM LIFE INSURANCE COMPANY | $9K | $2K | $12K | 7.38% |
| AUSTIN & CO INC3 Filed as: AUSTIN AND CO., INC. | 20 CORPORATE WOODS BLVD. ALBANY, NY 122112350 | GUARDIAN | $5K | $4K | $9K | 11.70% |
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 | 131 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | 84 | $1.2M |
| Dental | GUARDIAN | 108 | $79K |
| Vision | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | 84 | $1.2M |
| Life insurance(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 138 | $236K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 138 | $157K |
| Other(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 138 | $236K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 138 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.