| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANCHOR AGENCY INC3 Filed as: ANCHOR AGENCY, INC | PIONEER PLAZA PO BOX 11799 ALBANY, NY 12211 | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | $68K | — | $68K | 5.00% |
| ANCHOR AGENCY INC3 Filed as: ANCHOR AGENCY, INC | 1201 TROY SCHENECTADY RD STE 120 LATHAM, NY 12110 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 5.79% |
| ANCHOR AGENCY INC3 Filed as: ANCHOR AGENCY, INC | 652 ALBANY SHAKER ROAD ALBANY, NY 12211 | HARTFORD LIFE AND ACCIDENT | $6K | — | $6K | 10.00% |
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 | 178 | 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) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | 291 | $1.4M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 207 | $175K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 207 | $175K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 207 | $175K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 74 | $57K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 74 | $57K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 207 | $175K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 291 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.