| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 30 CENTURY HILL, SUITE 200 LATHAM, NY 12110 | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | $97K | $0 | $97K | 3.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $3K | $7K | 4.48% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 4TH FLOOR ROLLING MEADOWS, IL 60008 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $63 | $1K | 0.88% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $9 | $9 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 30 CENTURY HILL DRIVE, SUITE 200 LATHAM, NY 12110 | MVP HEALTHCARE | $5K | $0 | $5K | 3.94% |
| AUSTIN & CO INC3 Filed as: AUSTIN AND COMPANY INC. | 20 CORPORATE WOODS BOULEVARD ALBANY, NY 12211 | FIRST UNUM LIFE INSURANCE COMPANY | $7K | $2K | $8K | 7.89% |
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 | 253 | 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) | 253 | 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. | 369 | $3.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 380 | $166K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 380 | $166K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 36 | $107K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 36 | $107K |
| Prescription drug(2 contracts, 2 carriers) | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | 369 | $3.1M |
| Other | FIRST UNUM LIFE INSURANCE COMPANY | 36 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 380 | — |
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.