| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANCHOR AGENCY INC3 Filed as: ANCHOR AGENCY INC. | 652 ALBANY SHAKER RD. ALBANY, NY 12211 | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | $46K | — | $46K | 4.00% |
| ANCHOR AGENCY INC3 | 652 ALBANY SHAKER RD ALBANY, NY 12211 | CAPTITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | $34K | — | $34K | 4.00% |
| ANCHOR AGENCY INC3 Filed as: ANCHOR AGNECY INC | 652 ALBANY SHAKER ROAD ALBANY, NY 12211 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $9K | $15K | 8.26% |
| ANCHOR AGENCY INC3 Filed as: ANCHOR AGENCY, INC. | 652 ALBANY SHAKER ROAD ALBANY, NY 12211 | MVP HEALTH CARE | $2K | — | $2K | 4.42% |
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 | 246 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 246 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | 135 | $2.0M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 226 | $177K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 226 | $177K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 226 | $177K |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 226 | $177K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 226 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.