| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AUSTIN & CO INC3 Filed as: AUSTIN & CO., INC. | 20 CORPORATE WOODS BLVD ALBANY, NY 12211 | EXCELLUS BLUE CROSS BLUE SHIELD | $71K | — | $71K | 4.29% |
| LIFETIME FINANCIAL GROWTH CO O3 Filed as: LIFETIME BENEFITS SOLUTIONS, INC. | 2457 STATE ROUTE 7, SUITE 1 COBLESKILL, NY 12043 | EXCELLUS BLUE CROSS BLUE SHIELD | $3K | — | $3K | 0.20% |
| COMTON, INC. | 6780 PITTSFORD-PALMYRA ROAD, STE 3A FAIRPORT, NY 14450 | COMTON, INC. | — | $11K | $11K | 7.91% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $3K | — | $3K | 5.30% |
| AUSTIN & CO INC3 Filed as: AUSTIN & CO., INC. | 20 CORPORATE WOODS BLVD ALBANY, NY 12211 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $2K | — | $2K | 3.29% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $1K | — | $1K | 3.56% |
| AUSTIN & CO INC3 Filed as: AUSTIN & CO., INC. | 20 CORPORATE WOODS BLVD ALBANY, NY 12211 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $1K | — | $1K | 3.26% |
| AUSTIN & CO INC3 Filed as: AUSTIN & CO., INC. | 20 CORPORATE WOODS BLVD ALBANY, NY 12211 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | $167 | $1K | 20.51% |
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 | 297 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 297 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 181 | $1.7M |
| Dental | COMTON, INC. | 143 | $143K |
| Life insurance | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 297 | $32K |
| Long-term disability(2 contracts, 2 carriers) | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 211 | $56K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 181 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 297 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.