No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAPITAL DISTRICT PHYSICIANS HEALTH EIN 14-1745298 NONE | Claims processing; Contract Administrator Service code 12 | 500 PATROON CREEK BLVD ALBANY, NY 12206 | $343K |
| SILVERCREST ASSET MANAGEMENT GROUP EIN 13-4194623 NONE | Investment management Service code 28 | 1330 AVENUE OF THE AMERICAS, 38TH F NEW YORK, NY 10019 | $80K |
| LABOR FIRST LLC EIN 06-1750191 NONE | Insurance services Service code 23 | 3000 MIDLANTIC DRIVE SUITE 101 MT LAUREL, NJ 08054 | $68K |
| ROBERT VALENTY EIN 14-6029930 EMPLOYEE | Employee (plan) Service code 30 | 18 AVIS DRIVE LATHAM, NY 12110 | $65K |
| BOLTON PARTNERS NORTHEAST, INC. EIN 27-3666661 NONE | Consulting (general); Actuarial Service code 11 | 9000 MIDLANTIC DRIVE SUITE 100 MT LAUREL, NJ 08054 | $45K |
| MERIDIAN CAPITAL PARTNERS INC EIN 14-1832967 NONE | Investment management Service code 28 | 20 CORPORATE WOODS BLVD ALBANY, NY 12211 | $44K |
| MPC CAPITAL ADVISORS LLC EIN 27-2136582 NONE | Investment advisory (plan) Service code 27 | 622 THIRD AVE 38TH FLOOR NEW YORK, NY 10017 | $39K |
| NEW CENTURY ADVISORS EIN 27-0004136 NONE | Investment management Service code 28 | 2 WISCONSIN CIRCLE CHEVY CHASE, MD 20815 | $36K |
| WESTWOOD TRUST EIN 20-3663979 NONE | Investment management; Soft dollars commissions Service code 28 | 200 CRESENT COURT SUITE 1200 DALLAS, TX 75201 | $27K |
| LESLIE A. VANDENBURGH-BALDWIN EIN 14-6029930 EMPLOYEE | Employee (plan) Service code 30 | 18 AVIS DRIVE LATHAM, NY 12110 | $26K |
| INCOME RESEARCH MANAGEMENT EIN 04-2955404 NONE | Investment management Service code 28 | 100 FEDERAL STREET BOSTON, MA 02110 | $24K |
| DELTA DENTAL SERVICE EIN 11-1980218 NONE | Claims processing; Contract Administrator Service code 12 | ONE DELTA DRIVE MECHANICSBURG, PA 17055 | $24K |
| MARVIN AND COMPANY, P.C. EIN 14-1567343 NONE | Accounting (including auditing) Service code 10 | 11 BRITISH AMERICAN BLVD LATHAM, NY 12110 | $23K |
| ISSI EIN 23-2182079 NONE | Consulting (general) Service code 16 | TWO EXECUTIVE CAMPUS SUITE 400 CHERRY HILL, NJ 08002 | $17K |
| ROBERT CATAPANO-FREIDMAN P.C. EIN 14-1765503 NONE | Legal Service code 29 | 11 NORTH PEARL ST SUIT 1609 ALBANY, NY 12207 | $13K |
| US BANK NATIONAL ASSOCIATION EIN 31-0841368 NONE | Custodial (securities) Service code 19 | 50 S 16TH STREET PHILADELPHIA, PA 19102 | $5K |
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 | 687 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 293 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 52 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,032 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | HARTFORD LIFE AND ACCIDENT | 350 | $889K |
| Prescription drug(2 contracts) | HARTFORD LIFE AND ACCIDENT | 350 | $889K |
| Stop-loss / reinsurancereinsurance | FIDELITY SECURITY LIFE INSURANCE CO | 692 | $367K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 692 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.