| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | SUN LIFE AND HEALTH INSURANCE COMPANY | $137K | — | $137K | 6.65% |
| ALEXANDER BENEFITS CONSULTING3 Filed as: ALEXANDER BENEFITS CONSULTING LLC | 1099 18TH ST STE 2870 DENVER, CO 80202 | SUN LIFE AND HEALTH INSURANCE COMPANY | $62K | — | $62K | 3.00% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE AGENCY | ONE EMPIRE DRIVE RENSSELAER, NY 12144 | DELTA DENTAL OF NEW YORK | $11K | — | $11K | 0.63% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $46K | — | $46K | 2.97% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $38K | — | $38K | 2.88% |
| ENROLLEASE Filed as: JAEGER & FLYNN ASSOCIATES | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | GUARDIAN VISION | $8K | — | $8K | 2.27% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CDPHP EIN 14-1641028 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 500 PATROON CREEK BLVD ALBANY, NY 12206 | $2.7M |
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 | 5,909 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 5,934 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GUARDIAN VISION | 4,816 | $356K |
| Dental | DELTA DENTAL OF NEW YORK | 10,346 | $1.8M |
| Vision | GUARDIAN VISION | 4,816 | $356K |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY | 7,516 | $2.1M |
| Short-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 6,568 | $1.6M |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 2,811 | $1.3M |
| Other | SUN LIFE AND HEALTH INSURANCE COMPANY | 7,516 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,346 | — |
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.