| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: BOUCHEY & CLARKE BENEFITS INC | 1819 5TH AVENUE RENSSELAER, NY 12181 | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | $47K | — | $47K | 3.49% |
| ENROLLEASE3 Filed as: BOUCHEY & CLARKE BENEFITS, INC | 293 TROY SCHENECTADY ROAD LATHAM, NY 12110 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | $6K | $20K | 9.22% |
| ENROLLEASE3 Filed as: BOUCHEY & CLARKE BENEFITS INC | PO BOX 1616 TROY, NY 12181 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | — | $2K | 8.18% |
| ENROLLEASE3 Filed as: BOUCHEY & CLARKE BENEFITS INC | PO BOX 1616 TROY, NY 12181 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | — | $3K | 16.38% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 116 HUNTINGTON AVENUE 10TH FLOOR BOSTON, MA 02116 | THE PAUL REVERE LIFE INSURANCE COMPANY | $323 | — | $323 | 1.88% |
| JAMES MOORADIAN3 | 277 DARTMOUTH STREET BOSTON, MA 02116 | THE PAUL REVERE LIFE INSURANCE COMPANY | $282 | — | $282 | 1.64% |
| BRYAN LAMBERT3 | 20 PARK PLAZA 4TH FLOOR BOSTON, MA 02116 | THE PAUL REVERE LIFE INSURANCE COMPANY | $202 | — | $202 | 1.18% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK ROAD SUTTON, MA 01590 | THE PAUL REVERE LIFE INSURANCE COMPANY | $132 | — | $132 | 0.77% |
| KARIN ANGELIS3 | 80 UNION POINT ROAD WEBSTER, MA 01570 | THE PAUL REVERE LIFE INSURANCE COMPANY | $105 | — | $105 | 0.61% |
| STEPHANIE DECHRISTOFARO3 | 1105 ACHIEVER CIRCLE SPRING HILL, TN 37174 | THE PAUL REVERE LIFE INSURANCE COMPANY | $23 | — | $23 | 0.13% |
| GTM EMPLOYMENT BENEFITS LLC3 | 7 HALFMOON EXECUTIVE PARK DRIVE CLIFTON PARK, NY 12065 | THE PAUL REVERE LIFE INSURANCE COMPANY | $21 | — | $21 | 0.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GEORGE HILLENBRAND | 227 HILL ROAD COBLESKILL, NY 12043 | THE PAUL REVERE LIFE INSURANCE COMPANY | $12 | — | $12 | 0.07% |
| LORRAINE RHODES3 | 4A KENSINGTON COURT CLIFTON PARK, NY 12065 | THE PAUL REVERE LIFE INSURANCE COMPANY | $9 | — | $9 | 0.05% |
| DONALD H MATSON3 | 8 ROSEWOOD DRIVE AUBURN, NY 13021 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.01% |
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 | 351 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 351 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | 245 | $1.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 278 | $215K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 278 | $215K |
| Life insurance(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 278 | $251K |
| Short-term disability(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 132 | $46K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 278 | $215K |
| Other(5 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 351 | $287K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 351 | — |
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."
No prospect flags tripped on this filing.