| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DELTA DENTAL OF NEW YORK Filed as: DELTA DENTAL OF NEW YORK INC | 1 DELTA DRIVE MECHANICSBURG, PA 17055 | CAPITAL DISTRICT PHYSICIANS HEALTH PLAN INC | $63K | $0 | $63K | 0.27% |
| REISER CONSULTING GROUP, INC.3 Filed as: REISER CONSULTING GROUP INC | 318 BRUNDIGE RD VALLEY FALLS, NY 12185 | HARTFORD LIFE AND ACCIDENT | $36K | — | $36K | 5.85% |
| REISER CONSULTING GROUP, INC.3 Filed as: REISER CONSULTING GROUP INC | 318 BRUNDIGE RD VALLEY FALLS, NY 12185 | HARTFORD LIFE AND ACCIDENT | $33K | — | $33K | 5.78% |
| REISER CONSULTING GROUP, INC.3 Filed as: REISER CONSULTING GROUP INC | 318 BRUNDIGE RD VALLEY FALLS, NY 12185 | HARTFORD LIFE AND ACCIDENT | $14K | — | $14K | 5.81% |
| NEW YORK LONG TERM CARE BROKER | 11 EXECUTIVE PARK DR CLIFTON PARK, NY 12065 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $3K | — | $3K | 4.95% |
| JOHN M AUDI | 3 ERIE CT WATERFORD, NY 12188 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $3K | — | $3K | 4.57% |
| NEW YORK LONG TERM CARE BROKER | 11 EXECUTIVE PARK DR CLIFTON PARK, NY 12065 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $343 | — | $343 | 1.14% |
| JOHN M AUDI | 3 ERIE CT WATERFORD, NY 12188 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $311 | — | $311 | 1.03% |
| REISER CONSULTING GROUP, INC.3 Filed as: REISER CONSULTING GROUP INC | 318 BRUNDIGE RD VALLEY FALLS, NY 12185 | HARTFORD FIRE INSURANCE COMPANY | $604 | — | $604 | 15.01% |
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 | 1,442 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,442 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL DISTRICT PHYSICIANS HEALTH PLAN INC | 2,953 | $23.4M |
| Dental | CAPITAL DISTRICT PHYSICIANS HEALTH PLAN INC | 2,953 | $23.4M |
| Vision | CAPITAL DISTRICT PHYSICIANS HEALTH PLAN INC | 2,953 | $23.4M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,442 | $569K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 1,261 | $607K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,442 | $234K |
| Prescription drug | CAPITAL DISTRICT PHYSICIANS HEALTH PLAN INC | 2,953 | $23.4M |
| Other(4 contracts, 3 carriers) | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | 1,442 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,953 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.