| 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 | $20K | — | $20K | 1.74% |
| ANCHOR AGENCY INC3 Filed as: ANCHOR AGENCY, INC | PIONEER PLAZA PO BOX 11799 ALBANY, NY 12211 | BLUESHIELD OF NORTHEASTERN NEW YORK | $20K | — | $20K | 1.69% |
| ANCHOR AGENCY INC3 Filed as: ANCHOR AGENCY, INC | 1201 TROY SCHENECTADY RD STE 120 LATHAM, NY 12110 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $5K | $14K | 9.05% |
| ANCHOR AGENCY INC3 Filed as: ANCHOR AGENCY, INC | 652 ALBANY SHAKER RD ALBANY, NY 12211 | HARTFORD LIFE AND ACCIDENT | $5K | — | $5K | 8.73% |
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 | 237 | 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) | 237 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUESHIELD OF NORTHEASTERN NEW YORK | 237 | $1.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 201 | $156K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 201 | $156K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 201 | $156K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 56 | $53K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 56 | $53K |
| Prescription drug | BLUESHIELD OF NORTHEASTERN NEW YORK | 237 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 237 | — |
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."
No prospect flags tripped on this filing.