| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | $60K | — | $60K | 3.13% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | $13K | $28K | 10.28% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: DIFITAL INSRUANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | — | $2K | 11.53% |
| KRISTA ANNE ROTONDI3 | 5 HEMPHILL PLACE SUITE 220 BALLSTON SPA, NY 12020 | AFLAC | $1K | $474 | $2K | 8.33% |
| DANIELLE M BRANCATO HOUSE3 | 21 THOROUGHBRED DRIVE SARATOGA SPRINGS, NY 12866 | AFLAC | $793 | $225 | $1K | 5.20% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SOUTHEAST SUITE 1950 ATLANTA, GA 30339 | AFLAC | $753 | — | $753 | 3.84% |
| ENROLLEASE3 Filed as: BOUCHEY & CLARAKE BENEFITS INC | PO BOX 1616 TROY, NY 12181 | AFLAC | $613 | — | $613 | 3.13% |
| JARED P STENGLEIN3 | 7 WHITE OAK PATH BALLSTON SPA, NY 12020 | AFLAC | $98 | $52 | $150 | 0.77% |
| JOSEPH P CALARCO3 Filed as: JOSEPH PATRICK FOXLEY | 2660 RAINIER PLACE WEST LINN, OR 97068 | AFLAC | $31 | — | $31 | 0.16% |
| FLOYD AMIDON3 Filed as: FLOYD A AMIDON | 160 BENMONT AVENUE SUITE 203 BENNINGTON, VT 05201 | AFLAC | $24 | — | $24 | 0.12% |
| MELISSA ANN STEWART3 | 36 WINCOMA LANE QUEENSBURY, NY 12804 | AFLAC | $8 | — | $8 | 0.04% |
| BRAD JONES AND ASSOCIATES INC3 | 19 BRITISH AMERICAN BOULEVARD LATHAM, NY 12110 | AFLAC | $3 | — | $3 | 0.02% |
| KELLY A IRVINE3 | 15801 WHITE ORCHID LANE FORT MYERS, FL 33908 | AFLAC | $1 | — | $1 | 0.01% |
| KEVIN MURPHY3 | 11 WILLOWBROOK TERRACE CLIFTON PARK, NY 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 | $120 | $2K | 10.63% |
| 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 | $328 | — | $328 | 2.05% |
| JAMES MOORADIAN3 | 6 HIGHLAND ROAD CHARLESTOWN, RI 02813 | THE PAUL REVERE LIFE INSURANCE COMPANY | $287 | — | $287 | 1.79% |
| CALIBER BENEFITS GROUP3 | 20 PARK PLAZA BOSTON, MA 02116 | THE PAUL REVERE LIFE INSURANCE COMPANY | $205 | — | $205 | 1.28% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK ROAD SUTTON, MA 01590 | THE PAUL REVERE LIFE INSURANCE COMPANY | $126 | — | $126 | 0.79% |
| KARIN ANGELIS3 | 2639 NORTH RIVERSIDE DRIVE POMPANO BEACH, FL 33062 | THE PAUL REVERE LIFE INSURANCE COMPANY | $105 | — | $105 | 0.66% |
| GTM EMPLOYMENT BENEFITS LLC3 | 7 HALFMOON EXECUTIVE PARK DRIVE CLIFTON PARK, NY 12065 | THE PAUL REVERE LIFE INSURANCE COMPANY | $21 | — | $21 | 0.13% |
| STEPHANIE DECHRISTOFARO3 | 1225 BLACK OAK DRIVE MURFREESBORO, TN 37128 | THE PAUL REVERE LIFE INSURANCE COMPANY | $15 | — | $15 | 0.09% |
| LORRAINE RHODES3 | 4A KENSINGTON COURT CLIFTON PARK, NY 12065 | THE PAUL REVERE LIFE INSURANCE COMPANY | $9 | — | $9 | 0.06% |
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 | 347 | 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) | 347 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | 255 | $1.9M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 333 | $276K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 333 | $276K |
| Life insurance(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 333 | $311K |
| Short-term disability(3 contracts, 3 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 75 | $38K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 333 | $276K |
| Other(8 contracts, 6 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 347 | $363K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 347 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.