| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HERITAGE BENEFITS LLC3 Filed as: THE HERITAGE GROUP | 1184 TROY SCHENECTADY RD. STE. 102 LATHAM, NY 12110 | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | $14K | — | $14K | 1.53% |
| ANCHOR AGENCY INC3 Filed as: ANCHOR AGENCY INC. | 652 ALBANY SHAKER RD. ALBANY, NY 12211 | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | $13K | — | $13K | 1.47% |
| TERPENING & ASSOC INC3 Filed as: TERPENING & ASSOC. INC., DBA | THE HERITAGE GROUP 1184 TROY-SCHENECTADY ROAD LATHAM, NY 12110 | MVP HEALTH CARE | $6K | — | $6K | 2.28% |
| ANCHOR AGENCY INC3 Filed as: ANCHOR AGENCY, INC. | 652 ALBANY SHAKER ROAD ALBANY, NY 12211 | MVP HEALTH CARE | $5K | — | $5K | 1.70% |
| TERPENING & ASSOC INC3 | 1184 TROY SCHENECTADY ROAD LATHAM, NY 12110 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 3.31% |
| ANCHOR AGENCY INC3 | 652 ALBANY SHAKER ROAD ALBANY, NY 12211 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 1.14% |
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 | 172 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 172 | 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. | 128 | $1.2M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 112 | $89K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 112 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 128 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.