| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE AGENCY, INC. | ONE EMPIRE DRIVE RENSSELAER, NY 12144 | HARTFORD LIFE AND ACCIDENT | $30K | $2K | $32K | 8.71% |
| NICHOLAS J. MARINO & CO.3 Filed as: NICHOLAS J MARINO & CO, INC. | 3 MARCUS BLVD ALBANY, NY 12205 | HARTFORD LIFE AND ACCIDENT | $6K | — | $6K | 1.58% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE AGENCY, INC. | ONE EMPIRE DRIVE RENSSELAER, NY 12144 | HARTFORD LIFE AND ACCIDENT | $6K | $2K | $7K | 2.59% |
| NICHOLAS J. MARINO & CO.3 Filed as: NICHOLAS J MARINO & CO, INC. | 3 MARCUS BLVD ALBANY, NY 12205 | HARTFORD LIFE AND ACCIDENT | $268 | — | $268 | 0.09% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE AGENCY, INC. | ONE EMPIRE DRIVE RENSSELAER, NY 12144 | HARTFORD LIFE AND ACCIDENT | $5K | $1K | $6K | 3.87% |
| NICHOLAS J. MARINO & CO.3 Filed as: NICHOLAS J MARINO & CO, INC. | 3 MARCUS BLVD ALBANY, NY 12205 | HARTFORD LIFE AND ACCIDENT | $154 | — | $154 | 0.09% |
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 | 1,068 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,068 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL DISTRICT PHYSICIANS' HEALTH CARE, INC. | 2,537 | $11.8M |
| Dental | CAPITAL DISTRICT PHYSICIANS' HEALTH CARE, INC. | 2,537 | $11.8M |
| Vision | CAPITAL DISTRICT PHYSICIANS' HEALTH CARE, INC. | 2,537 | $11.8M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,068 | $373K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 1,034 | $287K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,068 | $165K |
| Prescription drug | CAPITAL DISTRICT PHYSICIANS' HEALTH CARE, INC. | 2,537 | $11.8M |
| Other | FAMILY & CHILDREN'S SVCS OF THE CAPITAL REGION DBA CAPITAL COUNSELING | 1,030 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,537 | — |
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."
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.