| 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 | — | $15K | 5.31% |
| DIGITAL INSURANCE LLC3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $14K | $14K | 4.99% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 NORTH KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | FIRST UNUM LIFE INSURANCE COMPANY | — | $2K | $2K | 9.74% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | — | $2K | 11.58% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SOUTHEAST SUITE 1950 ATLANTA, GA 30339 | AFLAC | $866 | — | $866 | 5.91% |
| KRISTA ANNE ROTONDI3 | 5 HEMPHILL PLACE SUITE 220 BALLSTON SPA, NY 12020 | AFLAC | $764 | $31 | $795 | 5.43% |
| DANIELLE M BRANCATO HOUSE3 | 21 THOROUGHBRED DRIVE SARATOGA SPRINGS, NY 12866 | AFLAC | $380 | — | $380 | 2.60% |
| JARED P STENGLEIN3 | 7 WHITE OAK PATH BALLSTON SPA, NY 12020 | AFLAC | $107 | — | $107 | 0.73% |
| MELISSA ANN STEWART3 | 36 WINCOMA LANE QUEENSBURY, NY 12804 | AFLAC | $48 | $6 | $54 | 0.37% |
| JOSEPH P CALARCO3 Filed as: JOSEPH PATRICK FOXLEY | 2660 RAINIER PLACE WEST LINN, OR 97068 | AFLAC | $29 | — | $29 | 0.20% |
| FLOYD AMIDON3 Filed as: FLOYD A AMIDON | 160 BENMONT AVENUE SUITE 203 BENNINGTON, VT 05201 | AFLAC | $23 | — | $23 | 0.16% |
| BRAD JONES AND ASSOCIATES INC3 | 19 BRITISH AMERICAN BOULEVARD WEST LATHAM, NY 12110 | AFLAC | $2 | — | $2 | 0.01% |
| KELLY A IRVINE3 | 15801 WHITE ORCHID LANE FORT MYERS, FL 33908 | AFLAC | $1 | — | $1 | 0.01% |
| KEVIN MURPHY3 | 111 WILLOWBROOK TERRACE CLIFTON PARK, NY 12065 | AFLAC | $1 | — | $1 | 0.01% |
| 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 | $243 | — | $243 | 1.91% |
| JAMES MOORADIAN3 | 6 HIGHLAND ROAD CHARLESTOWN, RI 02813 | THE PAUL REVERE LIFE INSURANCE COMPANY | $213 | — | $213 | 1.68% |
| CALIBER BENEFITS GROUP3 | 20 PARK PLAZA BOSTON, MA 02116 | THE PAUL REVERE LIFE INSURANCE COMPANY | $152 | — | $152 | 1.20% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK ROAD SUTTON, MA 01590 | THE PAUL REVERE LIFE INSURANCE COMPANY | $92 | — | $92 | 0.72% |
| KARIN ANGELIS3 | 2639 NORTH RIVERSIDE DRIVE APARTMENT 1104 POMPANO BEACH, FL 33062 | THE PAUL REVERE LIFE INSURANCE COMPANY | $83 | — | $83 | 0.65% |
| GTM EMPLOYMENT BENEFITS LLC3 Filed as: GTM INSURANCE AGENCY LLC | 7 EXECUTIVE PARK DRIVE CLIFTON PARK, NY 12065 | THE PAUL REVERE LIFE INSURANCE COMPANY | $17 | — | $17 | 0.13% |
| STEPHANIE DECHRISTOFARO3 | 1225 BLACK OAK DRIVE MURFREESBORO, TN 37128 | THE PAUL REVERE LIFE INSURANCE COMPANY | $13 | — | $13 | 0.10% |
| LORRAINE RHODES3 | 4A KENSINGTON COURT CLIFTON PARK, NY 12065 | THE PAUL REVERE LIFE INSURANCE COMPANY | $8 | — | $8 | 0.06% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SOUTHEAST SUITE 1950 ATLANTA, GA 30339 | AFLAC | $259 | — | $259 | 5.17% |
| KRISTA ANNE ROTONDI3 | 5 HEMPHILL PLACE SUITE 220 BALLSTON SPA, NY 12020 | AFLAC | $241 | $15 | $256 | 5.11% |
| DANIELLE M BRANCATO HOUSE3 | 21 THOROUGHBRED DRIVE SARATOGA SPRINGS, NY 12866 | AFLAC | $132 | — | $132 | 2.63% |
| MELISSA ANN STEWART3 | 36 WINCOMA LANE QUEENSBURY, NY 12804 | AFLAC | $9 | $3 | $12 | 0.24% |
| JOSEPH P CALARCO3 Filed as: JOSEPH PATRICK FOXLEY | 2660 RAINIER PLACE WEST LINN, OR 97068 | AFLAC | $10 | — | $10 | 0.20% |
| FLOYD AMIDON3 Filed as: FLOYD A AMIDON | 160 BENMONT AVENUE SUITE 203 BENNINGTON, VT 05201 | AFLAC | $8 | — | $8 | 0.16% |
| JARED P STENGLEIN3 | 7 WHITE OAK PATH BALLSTON SPA, NY 12020 | AFLAC | $7 | — | $7 | 0.14% |
| BRAD JONES AND ASSOCIATES INC3 | 19 BRITISH AMERICAN BOULEVARD WEST LATHAM, NY 12110 | AFLAC | $1 | — | $1 | 0.02% |
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. | 236 | $1.9M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 337 | $283K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 337 | $283K |
| Life insurance(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 337 | $314K |
| Short-term disability(3 contracts, 3 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 66 | $30K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 337 | $283K |
| Other(8 contracts, 6 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 353 | $352K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 353 | — |
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.