| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE CAPITAL REGION STRATEGIC EBS LL3 Filed as: THE CAPITAL REGION STRATEGIC EBS | 1201 TROY SCHENECTADY ROAD SUITE 120 LATHAM, NY 12110 | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN, INC. | — | $37K | $37K | 2.02% |
| ANCHOR AGENCY INC3 | 652 ALBANY SHAKER ROAD ALBANY, NY 12211 | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN, INC. | — | $26K | $26K | 1.43% |
| CAROL A RAPPAPORT3 | 120 TROY SCHENECTADY ROAD SUITE 120 LATHAM, NY 12110 | THE NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY | $5K | $1K | $7K | 3.41% |
| TRONCO FNCL GRP LLC3 | 1201 TROY SCHENECTADY RD SUITE 120 LATHAM, NY 12110 | THE NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY | $1K | $105 | $1K | 0.66% |
| ANCHOR AGENCY INC3 | 1201 TROY SCHENECTADY ROAD SUITE 120 LATHAM, NY 12110 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $19K | $4K | $23K | 17.63% |
| CAROL A RAPPAPORT3 | 1201 TROY SCHENECTADY ROAD SUITE 120 LATHAM, NY 12110 | THE NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY | $3K | $725 | $4K | 3.94% |
| TRONCO FNCL GRP LLC3 | 1201 TROY SCHENECTADY ROAD SUITE 120 LATHAM, NY 12110 | THE NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY | $632 | $56 | $688 | 0.76% |
| THE CAPITAL GROUP LLC3 Filed as: CAPITAL REGION STRATEGIC EMPLOYEE | 1201 TROY SCHNECTADY ROAD SUITE 120 LATHAM, NY 12110 | UNION SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $2K | — | $2K | 8.56% |
| ANCHOR AGENCY INC3 | 61 COLVIN AVENUE ALBANY, NY 12206 | UNION SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $1K | — | $1K | 6.43% |
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 | 309 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 317 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN, INC. | 358 | $1.8M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 290 | $132K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 290 | $132K |
| Short-term disability | THE NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY | 48 | $91K |
| Long-term disability(2 contracts, 2 carriers) | THE NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY | 55 | $219K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 290 | $132K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 358 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.