| 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 | $27K | — | $27K | 2.04% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G. RALPH AGENCY, INC. | 800 PARKER HILL DR., SUITE 100 ROCHESTER, NY 14625 | EXCELLUS BLUE CROSS BLUE SHIELD | $17K | — | $17K | 1.31% |
| LIFETIME BENEFIT SOLUTIONS, INC.3 Filed as: LIFETIME BENEFIT SOLUTIONS | 2457 STATE RT 7, SUITE 1 PO BOX 340 COBLESKILL, NY 12043 | EXCELLUS BLUE CROSS BLUE SHIELD | $10K | — | $10K | 0.73% |
| AUSTIN & CO INC3 Filed as: AUSTIN & CO., INC | 20 CORPORATE WOODS BLVD. ALBANY, NY 12211 | EXCELLUS BLUE CROSS BLUE SHIELD | $2K | — | $2K | 1.94% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G. RALPH AGENCY, INC. | 800 PARKER HILL DR. ROCHESTER, NY 14625 | EXCELLUS BLUE CROSS BLUE SHIELD | $2K | — | $2K | 1.45% |
| LIFETIME BENEFIT SOLUTIONS, INC.3 | 2457 STATE RT 7 SUITE 1 PO BOX 340 COBLESKILL, NY 12043 | EXCELLUS BLUE CROSS BLUE SHIELD | $776 | — | $776 | 0.65% |
| AUSTIN & CO INC3 Filed as: AUSTIN & CO., INC. | 20 CORPORATE WOODS BLVD. ALBANY, NY 12211 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $1K | $9K | 22.66% |
| AUSTIN & CO INC3 Filed as: AUSTIN & CO., INC. | 20 CORPORATE WOODS BLVD. 4TH FLOOR ALBANY, NY 12211 | HARTFORD LIFE AND ACCIDENT | $1K | $19 | $1K | 15.23% |
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 | 208 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 211 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | EXCELLUS BLUE CROSS BLUE SHIELD | 78 | $1.4M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 131 | $38K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 131 | $38K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 131 | $38K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 47 | $8K |
| Prescription drug(2 contracts) | EXCELLUS BLUE CROSS BLUE SHIELD | 78 | $1.4M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 131 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 131 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.