| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROWLANDS AND BARRANCA AGENCY3 Filed as: ROWLANDS AND BARRANCA | 6 TOERS PLACE ALBANY, NY 12203 | EMPIRE HEALTH ASSURANCE | $213K | — | $213K | 3.13% |
| ROWLANDS AND BARRANCA AGENCY3 Filed as: ROWLANDS AND BARRANCA | 6 TOWERS PLACE ALBANY, NY 12203 | CAPITAL DISTRICT PHYSCIAN'S HEALTH PLAN | $142K | — | $142K | 15.27% |
| ROWLANDS AND BARRANCA AGENCY3 Filed as: ROWLANDS AND BARRANCCA | 6 TOWERS PLACE ALBANY, NY 12203 | EMPIRE HEALTHCHOICE ASSURANCE | — | $8K | $8K | 4.00% |
| ROWLANDS AND BARRANCA AGENCY3 Filed as: ROWLANDS AND BARRANCA | 6 TOWERS PLACE ALBANY, NY 12203 | METROPOLITAN LIFE INSURANCE CO | $3K | $4K | $7K | 3.78% |
| ROWLANDS AND BARRANCA AGENCY3 Filed as: ROWLANDS AND BARRANCCA | 6 TOWERS PLACE ALBANY, NY 12203 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $4K | — | $4K | 4.66% |
| ROWLANDS AND BARRANCA AGENCY3 Filed as: ROWLANDS AND BARRANCA | 6 TOWERS PLACE ALBANY, NY 12203 | METROPOLITAN LIFE INSURANCE CO | $4K | $1K | $6K | 8.35% |
| ROWLANDS AND BARRANCA AGENCY3 Filed as: ROWLANDS AND BARRANCCA | 6 TOWERS PLACE ALBANY, NY 12203 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $6K | $674 | $6K | 16.10% |
| ROWLANDS AND BARRANCA AGENCY3 Filed as: ROWLANDS AND BARRANCA | 6 TOWERS PLACE ALBANY, NY 12203 | METROPOLITAN LIFE INSRAUNCE CO | $1K | $401 | $2K | 8.67% |
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 | 606 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 337 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 943 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | EMPIRE HEALTH ASSURANCE | 556 | $7.7M |
| Dental(3 contracts, 3 carriers) | EMPIRE HEALTHCHOICE ASSURANCE | 567 | $426K |
| Life insurance(2 contracts, 2 carriers) | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 654 | $141K |
| Long-term disability | METROPOLITAN LIFE INSRAUNCE CO | 0 | $19K |
| Other | FINCH PAPER LLC SALARIED SEVERANCE PLAN | 181 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 654 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.