| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK, INC. | 6 TOWER PLACE ALBANY, NY 12203 | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | $25K | — | $25K | 4.94% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK, INC. | 500 PLUM ST. STE 200 SYRACUSE, NY 13204 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $3K | $2K | $5K | 9.15% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS AGY OF VA INC | PO BOX 3070 RICHMOND, VA 23228 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | — | $1K | $1K | 2.34% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK, INC. | 500 PLUM ST. STE 200 SYRACUSE, NY 13204 | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | $3K | — | $3K | 14.14% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS AGY OF VA INC | PO BOX 3070 RICHMOND, VA 23228 | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | — | $665 | $665 | 3.11% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK, INC. | 6 TOWER PLACE ALBANY, NY 12203 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $647 | $339 | $986 | 15.23% |
| HOWARD J. ELIAS, INC.3 Filed as: HOWARD J ELIAS, INC. | 365 LEXINGTON AVE 9TH FL NEW YORK, NY 10017 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7 | — | $7 | 0.11% |
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 | 132 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | 115 | $507K |
| Dental | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 137 | $58K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 65 | $6K |
| Life insurance | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 132 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 137 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.