| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | C/O ADAM BRUCKMAN 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | $56K | — | $56K | 4.57% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS, LLC | 144 TURNPIKE ROAD SUITE 330 SOUTHBOROUGH, MA 01772 | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | $33K | — | $33K | 2.74% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUIT 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | $10K | $21K | 5.19% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W VEVA 16 SUITE 320 BLUE BELL, PA 19422 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $3K | $8K | 2.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVIC | 901 MARQUETTE AVE SUITE 1800 MINNEAPOLIS, MN 55402 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $2K | $8K | 2.01% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 1.75% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS REASEARCH LLC | 325 NORTH KIRKWOOD ROAD STE 300 KIRKWOOD, MO 63122 | FIRST UNUM LIFE INSURANCE COMPANY | — | $879 | $879 | 5.00% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | AFLAC | $1K | — | $1K | 6.48% |
| KRISTA ANNE ROTONDI3 | 5 HEMPHILL PLACE STE 220 BALLSTON SPA, NY 12020 | AFLAC | $920 | $26 | $946 | 6.06% |
| DANIELLE M BRANCATO HOUSE3 | 21 THOROUGHBRED DRIVE SARATOGA SPRINGS, NY 12866 | AFLAC | $355 | — | $355 | 2.28% |
| MELISSA ANN STEWART3 | 36 WINCOMA LANE QUEENSBURY, NY 12804 | AFLAC | $102 | $5 | $107 | 0.69% |
| BRIAN J HUMPHREYS3 | 11 VILLAGE DR APT 11 DELMAR, NY 12054 | AFLAC | $91 | — | $91 | 0.58% |
| ALEXANDER ORDONEZ3 | 17 STONE ARABIA DR TROY, NY 12180 | AFLAC | $72 | — | $72 | 0.46% |
| JOSEPH P CALARCO3 Filed as: JOSEPH PATRICK FOXLEY | 2660 RAINIER PL WEST LINN, OR 97068 | AFLAC | $29 | — | $29 | 0.19% |
| FLOYD AMIDON3 Filed as: FLOYD A AMIDON | 160 BENMONT AVE STE 203 BENNINGTON, VT 05201 | AFLAC | $23 | — | $23 | 0.15% |
| JARED P STENGLEIN3 | 7 WHITE OAK PATH BALLSTON SPA, NY 12020 | AFLAC | $13 | — | $13 | 0.08% |
| BRAD JONES AND ASSOCIATES INC3 | 19 BRITISH AMERICAN BLVD W LATHAM, NY 12110 | AFLAC | $2 | — | $2 | 0.01% |
| KELLY A IRVINE3 | 15801 WHITE ORCHID LN FORT MYERS, FL 33908 | AFLAC | $1 | — | $1 | 0.01% |
| KEVIN MURPHY3 | 11 WILLOWBROOK TER CLIFTON PARK, NV 12065 | AFLAC | $1 | — | $1 | 0.01% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | — | $2K | 11.62% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 116 HUNTINGTON AVE 10TH FL BOSTON, MA 02116 | THE PAUL REVERE LIFE INSURANCE COMPANY | $217 | — | $217 | 1.79% |
| JAMES MOORADIAN3 | 6 HIGHLAND ROAD CHARLESTOWN, RI 02813 | THE PAUL REVERE LIFE INSURANCE COMPANY | $190 | — | $190 | 1.56% |
| CALIBER BENEFITS GROUP3 | 20 PARK PLAZA BOSTON, MA 02116 | THE PAUL REVERE LIFE INSURANCE COMPANY | $136 | — | $136 | 1.12% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK ROAD SUTTON, MA 01590 | THE PAUL REVERE LIFE INSURANCE COMPANY | $79 | — | $79 | 0.65% |
| KARIN ANGELIS3 | 2639 N RIVERSIDE DR APARTMENT 1104 POMPANO BEACH, FL 33062 | THE PAUL REVERE LIFE INSURANCE COMPANY | $76 | — | $76 | 0.63% |
| GTM EMPLOYMENT BENEFITS LLC3 Filed as: GTM INSURANCE AGENCY LLC | 7 EXECUTIVE PARK DRIVE CLIFTON PARK, NY 12065 | THE PAUL REVERE LIFE INSURANCE COMPANY | $16 | — | $16 | 0.13% |
| STEPHANIE DECHRISTOFARO3 | 1225 BLACK OAK DR MURFREESBORO, TN 37128 | THE PAUL REVERE LIFE INSURANCE COMPANY | $12 | — | $12 | 0.10% |
| LORRAINE RHODES3 | 4A KENSINGTON CT CLIFTON PARK, NY 12065 | THE PAUL REVERE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.06% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE STE 1950 ATLANTA, GA 30339 | MUTUAL OF OMAHA INSURANCE COMPANY | $137 | $104 | $241 | 17.60% |
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 | 342 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 343 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | 248 | $1.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 342 | $404K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 342 | $404K |
| Life insurance(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 342 | $434K |
| Short-term disability(4 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 342 | $432K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 342 | $404K |
| Prescription drug | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | 248 | $1.2M |
| Other(7 contracts, 6 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 400 | $476K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 400 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.