| 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. | $90K | — | $90K | 2.79% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LTD | 100 SUNNYSIDE BLVD WOODBURY, NY 11797 | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | $13K | — | $13K | 0.41% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGER BENEFIT SRVCS, INC. EAST | 30 CENTURY HILL DRIVE SUITE 200 LATHAM, NY 12110 | MVP HEALTHCARE | $9K | — | $9K | 1.96% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGER BENEFIT SRVCS, INC. ALBANY | 677 BROADWAY 4TH FLOOR ALBANY, NY 12207 | MVP HEALTHCARE | $5K | — | $5K | 1.06% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | PO BOX 6650 METAIRIE, LA 700096650 | MVP HEALTHCARE | $3K | — | $3K | 0.75% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $2K | $6K | 3.41% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ARTHUR J GALLAGHER & CO | 2850 GOLF ROAD FL 4 ROLLING MEADOWS, IL 600084050 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $54 | $2K | 0.96% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | PO BOX 6650 METAIRIE, LA 700096650 | METROPOLITAN LIFE INSURANCE COMPANY | $792 | $47 | $839 | 0.45% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DR 40 W MADISION 4TH FL CHICAGO, IL 606930162 | METROPOLITAN LIFE INSURANCE COMPANY | — | $369 | $369 | 0.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 606945287 | METROPOLITAN LIFE INSURANCE COMPANY | — | $21 | $21 | 0.01% |
| AUSTIN & CO INC3 Filed as: AUSTIN AND COMPANY INC. | 20 CORPORATE WOODS BOULEVARD ALBANY, NY 122112350 | FIRST UNUM LIFE INSURANCE COMPANY | $6K | $1K | $7K | 6.54% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH L | 3510 N CAUSEWAY BLVD SUITE 300 METAIRIE, LA 70002 | FIRST UNUM LIFE INSURANCE COMPANY | $701 | $719 | $1K | 1.24% |
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 | 347 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 349 | 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. | 357 | $3.7M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 410 | $188K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 410 | $188K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 38 | $114K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 38 | $114K |
| Prescription drug(2 contracts, 2 carriers) | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | 357 | $3.7M |
| Other | FIRST UNUM LIFE INSURANCE COMPANY | 38 | $114K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 410 | — |
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."
No prospect flags tripped on this filing.