| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AUSTIN & CO INC3 Filed as: AUSTIN AND CO., INC. | 20 CORPORATE WOODS BLVD. ALBANY, NY 12211 | HIGHMARK WESTERN AND NORTHEASTERN NY | $149K | — | $149K | 2.70% |
| AUSTIN & CO INC3 Filed as: AUSTIN AND CO., INC. | 20 CORPORATE WOODS BLVD. ALBANY, NY 12211 | FIRST UNUM LIFE INSURANCE COMPANY | $8K | $3K | $10K | 7.88% |
| AUSTIN & CO INC3 Filed as: AUSTIN AND CO., INC. | 20 CORPORATE WOODS BLVD. ALBANY, NY 12211 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $18K | — | $18K | 19.35% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 60015 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 2.80% |
| AUSTIN & CO INC3 Filed as: AUSTIN AND CO., INC. | 20 CORPORATE WOODS BLVD. ALBANY, NY 12211 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13 | — | $13 | 0.01% |
| AUSTIN & CO INC3 Filed as: AUSTIN & CO. INC | 20 COPORATE WOODS BLVD ALBANY, NY 12211 | FIRST UNUM LIFE INSURANCE COMPANY | $12K | $3K | $15K | 19.26% |
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 | 360 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 366 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK WESTERN AND NORTHEASTERN NY | 579 | $5.5M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 408 | $91K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 408 | $91K |
| Life insurance(3 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 437 | $300K |
| Short-term disability(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 437 | $223K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 437 | $132K |
| Prescription drug | HIGHMARK WESTERN AND NORTHEASTERN NY | 579 | $5.5M |
| Other(3 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 437 | $300K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 579 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.