| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMSURE (SARATOGA)3 | EUGENE QUIRK PO BOX 336 SARATOGA SPRINGS, NY 12866 | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | $80K | — | $80K | 3.47% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INS SERVICES INC | 1000 WOODBURY RD SUITE 403 WOODBURY, NY 117972530 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $1K | $3K | 11.83% |
| ADIRONDACK TRUST COMPANY3 Filed as: ADIRONDACK TRUST CO FINANCIAL SERV | 31 CHURCH STREET 4TH FL SARATOGA SPRINGS, NY 12866 | EMPIRE HEALTH CHOICE ASSURANCE, INC. (G1921) | $709 | — | $709 | 4.05% |
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 | 278 | 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) | 281 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | 285 | $2.3M |
| Vision | EMPIRE HEALTH CHOICE ASSURANCE, INC. (G1921) | 278 | $18K |
| Life insurance | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 349 | $23K |
| Prescription drug | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | 285 | $2.3M |
| Other | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 349 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 349 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.