| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE CAPITAL GROUP LLC3 Filed as: CAPITAL REGION STRATEGIC EE BENEFIT | 1201 TROY SCHENECTADY RD STE 120 LATHAM, NY 12110 | BLUESHIELD OF NORTHEASTERN NEW YORK | $38K | — | $38K | 3.60% |
| THE CAPITAL GROUP LLC3 Filed as: CAPITAL REGION STRATEGIC EE BENEFIT | 1201 TROY SCHENECTADY RD STE 120 LATHAM, NY 12110 | BLUESHIELD OF NORTHEASTERN NEW YORK | $9K | — | $9K | 3.60% |
| THE CAPITAL REGION STRATEGIC EBS LL3 Filed as: THE CAPITAL REGION STRATEGIC EBS | 1201 TROY SCHENECTADY RD STE 120 LATHAM, NY 12110 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $1K | $9K | 6.44% |
| THE CAPITAL REGION STRATEGIC EBS LL3 Filed as: CAPITAL REGION STRATEGIC EBS | 1201 TROY SCHENECTADY STE 120 LATHAM, NY 12110 | HARTFORD LIFE AND ACCIDENT | $4K | — | $4K | 12.08% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK, INC. | 6 TOWER PLACE ALBANY, NY 12203 | HARTFORD LIFE AND ACCIDENT | -$4 | — | -$4 | -0.01% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES INC | 30 CORPORATE DR CLIFTON PARK, NY 12065 | THE PAUL REVERE LIFE INSURANCE COMPANY | $302 | — | $302 | 9.91% |
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 | 186 | 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) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUESHIELD OF NORTHEASTERN NEW YORK | 192 | $1.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 186 | $132K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 186 | $132K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 186 | $132K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 49 | $33K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 49 | $33K |
| Prescription drug(2 contracts) | BLUESHIELD OF NORTHEASTERN NEW YORK | 192 | $1.3M |
| Other | THE PAUL REVERE LIFE INSURANCE COMPANY | 6 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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.