| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 677 BROADWAY, 4TH FLOOR ALBANY, NY 12207 | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN, INC. | $44K | — | $44K | 3.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2 PIERCE PLACE, FL 14 ITASCA, IL 601431203 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $1K | $5K | 5.15% |
| AUSTIN & CO INC3 Filed as: AUSTIN & CO INC. | 20 CORPORATE WOODS BLVD ALBANY, NY 122112350 | UNUM LIFE INSURANCE COMPANY | $5K | $977 | $6K | 7.26% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 677 BROADWAY, 4TH FLOOR ALBANY, NY 12207 | MVP HEALTH CARE | $2K | — | $2K | 4.06% |
| AUSTIN & CO INC3 Filed as: AUSTIN & CO., INC. | 20 CORPORATE WOODS BLVD ALBANY, NY 12211 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $547 | $2K | 16.24% |
| HOWARD J. ELIAS, INC.3 | 35 LEXINGTON AVENUE, 9TH FLOOR NEW YORK, NY 10017 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9 | — | $9 | 0.06% |
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 | 181 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN, INC. | 181 | $1.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 196 | $89K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 30 | $14K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY | 30 | $78K |
| Prescription drug(2 contracts, 2 carriers) | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN, INC. | 181 | $1.5M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 30 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 196 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.