| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AUSTIN & CO INC3 Filed as: AUSTIN & CO INC. | 20 CORPORATE WOODS BLVD ALBANY, NY 12211 | CDPHP | $39K | — | $39K | 1.82% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | CDPHP | $18K | — | $18K | 0.83% |
| AUSTIN & CO INC3 Filed as: AUSTIN & COMPANY | 20 CORPORATE WOODS BLVD ALBANY, NY 12211 | GUARDIAN LIFE INSURANCE COMPANY | $7K | — | $7K | 13.81% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | GUARDIAN LIFE INSURANCE COMPANY | $1K | — | $1K | 2.45% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY INC | 150 JOHN F KENNEDY PKWY STE 520 SHORT HILLS, NJ 07016 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $5K | — | $5K | 11.00% |
| AUSTIN & CO INC3 | 20 CORPORATE WOODS BLVD ALBANY, NY 12211 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | — | $3K | 7.11% |
| THE FARMINGTON COMPANY3 | 30 WATERSIDE DR FARMINGTON, CT 06034 | FIRST UNUM LIFE INSURANCE COMPANY | $25 | — | $25 | 0.05% |
| CATHY HEDBERG3 | 663 WESTERN AVE ALBANY, NY 12203 | AFLAC | $2K | — | $2K | 4.67% |
| AUSTIN & CO INC3 | 20 CORPORATE WOODS BLVD 4TH FLOOR ALBANY, NY 12211 | AFLAC | $818 | — | $818 | 2.11% |
| DANIELLE M BRANCATO HOUSE3 Filed as: DANIELLE M BRANCATO-HOUSE | 4 CRESTMONT DR CLIFTON PARK, NY 12065 | AFLAC | $681 | $38 | $719 | 1.85% |
| KRISTA ANNE ROTONDI3 Filed as: KRISTA GRASSIA | 5 PINE WEST PLZ STE 503 ALBANY, NY 12205 | AFLAC | $677 | — | $677 | 1.74% |
| BETH SERFILIPPI3 | 8 HILLSTONE COURT BALLSTON LAKE, NY 12019 | AFLAC | $653 | — | $653 | 1.68% |
| BENITO A ROTONDI II INC3 | 23 PINE RIDGE RD SARATOGA SPRINGS, NY 12866 | AFLAC | $375 | — | $375 | 0.97% |
| SARA S BRUDNOY3 | 7822 CYPRESS CRES BOCA RATON, FL 33433 | AFLAC | $351 | — | $351 | 0.90% |
| JANINE FOX3 Filed as: JANINE M FOX | 18 HAVILAND DR SCHENECTADY, NY 12302 | AFLAC | $248 | — | $248 | 0.64% |
| LISA J BRENNAN-JONES3 | 1014 CATHERINE WOODS SCHENECTADY, NY 12309 | AFLAC | $162 | — | $162 | 0.42% |
| JARED P STENGLEIN3 | 7 WHITE OAK PATH BALLSTON SPA, NY 12020 | AFLAC | $135 | — | $135 | 0.35% |
| DARRYL J YOUNG3 | 3820 GOLD CITY RD FRANKLIN, KY 42134 | AFLAC | $70 | — | $70 | 0.18% |
| JEFF DALABA3 | 8500 GILLY FLOWER COURT BALDWINSVILLE, NY 13027 | AFLAC | $54 | — | $54 | 0.14% |
| KAITLYN HERWIG3 | 1117 FORT HUNTER RD SCHENECTADY, NY 12303 | AFLAC | $45 | — | $45 | 0.12% |
| CHERYL A ROTONDI3 | 352 USHERS ROAD BALLSTON LAKE, NY 12019 | AFLAC | $37 | — | $37 | 0.10% |
| BRAD JONES AND ASSOCIATES INC3 | 19 BRITISH AMERICAN BLVD LATHAM, NY 12110 | AFLAC | $34 | — | $34 | 0.09% |
| SUSAN C BRIMHALL3 | 3921 CAPE SAN BLAS RD PORT SAINT JOE, FL 32456 | AFLAC | $33 | — | $33 | 0.09% |
| GREGORY D GEMEREK3 | 25 CARRIAGE WAY BALLSTON SPA, NY 12020 | AFLAC | $30 | — | $30 | 0.08% |
| CARMELA M MARRERO3 | 3991 STATE RTE 2 CROPSEYVILLE, NY 12052 | AFLAC | $17 | — | $17 | 0.04% |
| RUSSELL T BARRETT3 | 10 AZALEA DR SARATOGA SPRINGS, NY 12866 | AFLAC | $13 | — | $13 | 0.03% |
| KELLY A IRVINE3 | 20620 EAST GOLDEN ELM DR STE 201 ESTERO, FL 33928 | AFLAC | $11 | — | $11 | 0.03% |
| PAMELA L BARRETT3 | 15 EVA STREET LATHAM, NY 12110 | AFLAC | $8 | — | $8 | 0.02% |
| DUCK & COVER NY INC3 | 17 DALAMAR CT LATHAM, NY 12110 | AFLAC | $7 | — | $7 | 0.02% |
| ELIZABETH K LANE3 | 3 CORPORATE DRIVE STE 300 CLIFTON PARK, NY 12065 | AFLAC | $7 | — | $7 | 0.02% |
| KEVIN MURPHY3 | 11 WILLOWBROOK TERRACE CLIFTON PARK, NY 12065 | AFLAC | $6 | — | $6 | 0.02% |
| EDMUND METZOLD3 | 1166 VANCURLER AVE SCHENECTADY, NY 12308 | AFLAC | $6 | — | $6 | 0.02% |
| CHRISTOPHER RUSSO3 | PO BOX 348 CLIFTON PARK, NY 12065 | AFLAC | $5 | — | $5 | 0.01% |
| KENNETH J HANNAN3 | 5 FRIAR TUCK COURT CLIFTON PARK, NY 12065 | AFLAC | $5 | — | $5 | 0.01% |
| KEVIN MCCARTHY3 | 197 LANG DR NORTH KINGSTOWN, RI 02852 | AFLAC | $4 | — | $4 | 0.01% |
| JANIS E BURL3 | 4003 CAMEO CT BOWIE, MD 20715 | AFLAC | $4 | — | $4 | 0.01% |
| THOMAS FLORES3 Filed as: THOMAS E FLORES | 1265 15TH ST APT 16G FORT LEE, NJ 07024 | AFLAC | $4 | — | $4 | 0.01% |
| MCINERNEY GROUP LLC3 | 580 WHITE PLAINS RD STE 600 TARRYTOWN, NY 10591 | AFLAC | $3 | — | $3 | 0.01% |
| LAURIE L SMITH3 | 577 TRUESDALE HILL RD LAKE GEORGE, NY 12845 | AFLAC | $2 | — | $2 | 0.01% |
| MICHELLE NOLAN3 | 46 ESOPUS DRIVE CLIFTON PARK, NY 12065 | AFLAC | $2 | — | $2 | 0.01% |
| KIMBERLY A SCHAEFER3 | 8915 MARIAVILLE RD PATTERSONVILLE, NY 12137 | AFLAC | $2 | — | $2 | 0.01% |
| SUSAN CHILLE3 Filed as: SUSAN E. CHILLE | 12 ST THOMAS MORE DR WINCHESTER, MA 01890 | AFLAC | $2 | — | $2 | 0.01% |
| WILLIAM S MATHIAS3 | PO BOX 83 NEW HARTFORD, NY 13413 | AFLAC | $1 | — | $1 | 0.00% |
| IRMA MATILDE WOODARD3 | 7684 STATE ROUTE 66 AVERILL PARK, NY 12018 | AFLAC | $1 | — | $1 | 0.00% |
| AUSTIN & CO INC3 Filed as: AUSTIN & CO INC. | 20 CORPORATE WOODS BLVD ALBANY, NY 12211 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $467 | $2K | 6.69% |
| HMS AGENCY INC.3 | 454 SAND CREEK RD ALBANY, NY 12205 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $520 | — | $520 | 8.13% |
| CAPITAL LINK ASSOCIATES INC3 | 125 WOLF RD, STE 101 ALBANY, NY 12205 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $26 | — | $26 | 0.41% |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CDPHP | 1,170 | $2.1M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 729 | $51K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 729 | $51K |
| Life insurance(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 1,002 | $44K |
| Short-term disability(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 233 | $85K |
| Long-term disability | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 152 | $49K |
| Prescription drug | CDPHP | 1,170 | $2.1M |
| Other(2 contracts, 2 carriers) | AFLAC | 1,002 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,170 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.