| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HANYS BENEFIT SERVICES3 | ONE EMPIRE SERVICES RENSSELAER, NY 12144 | DELTA DENTAL OF NEW YORK | $10K | — | $10K | 0.49% |
| EAST COAST BENEFIT PLANS, INC.3 | 2 COMMERCIAL STREET SUITE 101 SHARON, MA 02067 | SUN LIFE AND HEALTH INSURANCE COMPANY | $102K | — | $102K | 8.25% |
| EAST COAST BENEFIT PLANS, INC.3 | 2 COMMERCIAL STREET SUITE 101 SHARON, MA 02067 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $28K | — | $28K | 2.98% |
| ENROLLEASE Filed as: JAEGER & FLYNN ASSOCIATES | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | GUARDIAN VISION | $9K | — | $9K | 2.12% |
| EAST COAST BENEFIT PLANS, INC.3 | 2 COMMERCIAL STREET SUITE 101 SHARON, MA 02067 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $12K | — | $12K | 2.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CDPHP EIN 14-1641028 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 500 PATROON CREEK BLVD ALBANY, NY 12206 | $2.0M |
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 | 5,939 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 40 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GUARDIAN VISION | 4,396 | $445K |
| Dental | DELTA DENTAL OF NEW YORK | 10,239 | $2.1M |
| Vision | GUARDIAN VISION | 4,396 | $445K |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY | 7,242 | $1.2M |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 5,952 | $938K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 2,620 | $409K |
| Other | SUN LIFE AND HEALTH INSURANCE COMPANY | 7,242 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,239 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.