| 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. | $46K | — | $46K | 2.33% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | $15K | — | $15K | 0.75% |
| DIGITAL INSURANCE LLC3 | 293 TROY SCHENECTADY ROAD LATHAM, NY 12110 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | $7K | $18K | 6.94% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $3K | $6K | 2.29% |
| ENROLLEASE3 Filed as: BOUCHEY & CLARKE BENEFITS INC | PO BOX 1616 TROY, NY 12181 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | — | $3K | 12.03% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | — | $3K | 13.88% |
| 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 | $281 | — | $281 | 1.91% |
| JAMES MOORADIAN3 | 277 DARTMOUTH STREET BOSTON, MA 02116 | THE PAUL REVERE LIFE INSURANCE COMPANY | $245 | — | $245 | 1.66% |
| CALIBER BENEFITS GROUP3 | 20 PARK PLAZA BOSTON, MA 02116 | THE PAUL REVERE LIFE INSURANCE COMPANY | $175 | — | $175 | 1.19% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK ROAD SUTTON, MA 01590 | THE PAUL REVERE LIFE INSURANCE COMPANY | $105 | — | $105 | 0.71% |
| KARIN ANGELIS3 | 2639 NORTH RIVERSIDE DRIVE POMPANO BEACH, FL 33062 | THE PAUL REVERE LIFE INSURANCE COMPANY | $96 | — | $96 | 0.65% |
| GTM EMPLOYMENT BENEFITS LLC3 | 7 HALFMOON EXECUTIVE PARK DRIVE CLIFTON PARK, NY 12065 | THE PAUL REVERE LIFE INSURANCE COMPANY | $15 | — | $15 | 0.10% |
| STEPHANIE DECHRISTOFARO3 | 1225 BLACK OAK DRIVE MURFREESBORO, TN 37128 | THE PAUL REVERE LIFE INSURANCE COMPANY | $11 | — | $11 | 0.07% |
| LORRAINE RHODES3 | 4A KENSINGTON COURT CLIFTON PARK, NY 12065 | THE PAUL REVERE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GEORGE HILLENBRAND | 227 HILL ROAD COBLESKILL, NY 12043 | THE PAUL REVERE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.03% |
| ENROLLEASE3 Filed as: BOUCHEY & CLARKE BENEFITS INC | 1918 5TH AVENUE TROY, NY 12180 | MUTUAL OF OMAHA INSURANCE COMPANY | $408 | — | $408 | 10.01% |
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 | 325 | 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) | 325 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | 272 | $2.0M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 306 | $264K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 306 | $264K |
| Life insurance(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 306 | $300K |
| Short-term disability(3 contracts, 3 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 97 | $41K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 306 | $264K |
| Other(6 contracts, 5 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 325 | $333K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 325 | — |
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.