| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | UNKNOWN ALBANY, NY 12211 | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | $23K | $0 | $23K | 2.85% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL AND STERLING, INC. | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | $7K | $0 | $7K | 0.92% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | UNKNOWN ALBANY, NY 12211 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $2K | $0 | $2K | 3.75% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL AND STERLING, INC. | UNKNOWN ALBANY, NY 12211 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $729 | $0 | $729 | 1.25% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62937 VIRGINIA BEACH, VA 23466 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $3K | $0 | $3K | 7.48% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL AND STERLING, INC. | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $1K | $0 | $1K | 3.29% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES, INC. | 1000 WOODBURY ROAD, SUITE 403 WOODBURY, NY 11797 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $0 | $845 | $845 | 1.90% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62937 VIRGINIA BEACH, VA 23466 | EYEMED VISION CARE/FIDELITY SECURITY LIFE INSURANCE COMPANY OF NY | $167 | $0 | $167 | 2.66% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL AND STERLING, INC. | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | EYEMED VISION CARE/FIDELITY SECURITY LIFE INSURANCE COMPANY OF NY | $86 | $0 | $86 | 1.37% |
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 | 108 | 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) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | 78 | $804K |
| Dental | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 79 | $58K |
| Vision | EYEMED VISION CARE/FIDELITY SECURITY LIFE INSURANCE COMPANY OF NY | 122 | $6K |
| Life insurance | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 108 | $44K |
| Long-term disability | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 108 | $44K |
| Prescription drug | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | 78 | $804K |
| Other | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 108 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 122 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.