| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NICHOLAS J. MARINO & CO.3 Filed as: NICHOLAS J MARINO AND CO, INC. | 5 SOUTHSIDE DRIVE SUITE 11 BOX 338 CLIFTON PARK, NY 12065 | HARTFORD LIFE AND ACCIDENT | $24K | $0 | $24K | 4.54% |
| RIESER CONSULTING GROUP, INC.3 | 318 BRUNDIGE RD VALLEY FALLS, NY 12185 | HARTFORD LIFE AND ACCIDENT | $2K | $0 | $2K | 0.47% |
| NICHOLAS J. MARINO & CO.3 Filed as: NICHOLAS J MARINO AND CO, INC. | 5 SOUTHSIDE DRIVE SUITE 11 BOX 338 CLIFTON PARK, NY 12065 | HARTFORD LIFE AND ACCIDENT | $24K | $0 | $24K | 5.22% |
| REISER CONSULTING GROUP, INC.3 Filed as: REISER CONSULTING GROUP INC. | 318 BRUNDIGE RD VALLEY FALLS, NY 12185 | HARTFORD LIFE AND ACCIDENT | $2K | $0 | $2K | 0.44% |
| NICHOLAS J. MARINO & CO.3 Filed as: NICHOLAS J MARINO AND CO, INC. | 5 SOUTHSIDE DRIVE SUITE 11 BOX 338 CLIFTON PARK, NY 12065 | HARTFORD LIFE AND ACCIDENT | $12K | $0 | $12K | 4.54% |
| REISER CONSULTING GROUP, INC.3 | 318 BRUNDIGE RD VALLEY FALLS, NY 12185 | HARTFORD LIFE AND ACCIDENT | $1K | $0 | $1K | 0.47% |
| NICHOLAS J. MARINO & CO.3 Filed as: NICHOLAS J MARINO AND CO, INC. | 5 SOUTHSIDE DRIVE SUITE 11 BOX 338 CLIFTON PARK, NY 12065 | HARTFORD LIFE INSURANCE COMPANY | $677 | $0 | $677 | 14.99% |
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 | 1,444 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,444 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL DISTRICT PHYSICIANS' HEALTH PLAN, INC. | 3,085 | $19.8M |
| Dental | CAPITAL DISTRICT PHYSICIANS' HEALTH PLAN, INC. | 3,085 | $19.8M |
| Vision | CAPITAL DISTRICT PHYSICIANS' HEALTH PLAN, INC. | 3,085 | $19.8M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,444 | $464K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 1,246 | $523K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,444 | $253K |
| Prescription drug | CAPITAL DISTRICT PHYSICIANS' HEALTH PLAN, INC. | 3,085 | $19.8M |
| Other(2 contracts, 2 carriers) | FAMILY & CHILDRENS SVCS OF THE CAPITAL DISTRICT DBA CAPITAL COUNSELING | 1,444 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,085 | — |
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.