Capital District Physicians Health Plan Inc
Updated Filing received by DOL
Capital District Physicians Health Plan Inc, a finance & insurance employer in Latham, New York, reported 1,442 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows 7 insurance contracts with no premium reported and $150,125 in broker commissions and fees. The plan is fully insured (an insurance carrier pays claims). The Department of Labor received the filing on July 27, 2026, before the deadline.
Who was paid on Capital District Physicians Health Plan Inc's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Capital District Physicians Health Plan Inc filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Reiser Consulting Group, Inc. · Valley Falls, NY | $82,026 | $0 | $82,026 | 3 |
| Delta Dental of New York, Inc. · Mechanicsburg, PA | $62,519 | $0 | $62,519 | 1 |
| New York Long Term Care Broker · Clifton Park, NY | $2,792 | $0 | $2,792 | 2 |
| John M Audi · Waterford, NY | $2,788 | $0 | $2,788 | 2 |
Source: DOL Form 5500 Schedule A, Part I (broker commissions and fees), plan year 2025, as published in EBSA's 2025 "Latest" dataset. Part I names whoever the carrier paid, which can be a firm or an individual agent; both are public record. Amounts exclude pay from carriers not tied to a listed contract.
Insurance contracts and carriers
Every insurance contract reported on Schedule A: carrier, what it covers, people covered at year end, earned premium, and broker compensation.
| Carrier · coverage | Covered | Premium | Broker pay | Rate |
|---|---|---|---|---|
| Capital District Physicians' Health Plan, Inc.health, dental, vision, prescription drug | 2,668 | — | $62,519 | — |
| Hartford Life and Accidentlife | 1,442 | — | $32,919 | — |
| Hartford Life and Accidentlong-term disability | 1,442 | — | $13,607 | — |
| Hartford Life and Accidentshort-term disability | 1,261 | — | $35,500 | — |
| Provident Life and Casualty Insurance Companycoverage not coded | 100 | — | $4,796 | — |
| Provident Life and Casualty Insurance Companycoverage not coded | 92 | — | $784 | — |
| Family & Childrens SVCS of the Capital District dba Capital Counselingcoverage not coded | 1,374 | — | — | — |
Source: DOL Form 5500 Schedule A, plan year 2025. Self-funded medical coverage has no premium; amounts shown for it are stop-loss or administrative contracts.
How Capital District Physicians Health Plan Inc compares
Medians across employers for plan year 2024, the most recent complete year. Commission rates use fully insured medical contracts only; dollar medians use every employer that disclosed broker pay.
Not computable: no insured medical premium on the filing.
Source: BenefitsLedger benchmarks from 58,547 employer health plans with 100 or more participants, plan year 2024. Methodology.
Year over year
| 2024 | 2025 | Change | |
|---|---|---|---|
| Participants | 1,416 | 1,442 | +1.8% |
| Premiums filed | $0 | $0 | not comparable |
| Broker commissions + fees | $152,968 | $150,125 | −1.9% |
| Commission rate | — | — | — |
Source: DOL Form 5500 filings for plan years 2024 and 2025.
Filings and timeliness
Plans this employer filed under its EIN with a health benefit code. Large plans are due seven months after the plan year ends, or two and a half months later with an extension; amended filings carry the amendment date, so no timing is asserted for them.
| Plan | Plan year end | Received by DOL | Timing | Participants |
|---|---|---|---|---|
| Cdphp Welfare and Fringe Benefits Plan#501 · insurance | December 31, 2025 | July 27, 2026 | before deadline | 1,442 |
Source: DOL Form 5500 Part I and signature dates; "late" means received after the extended deadline (the 15th day of the tenth month after plan year end). What a late Form 5500 costs.
How much did Capital District Physicians Health Plan Inc pay in health insurance broker commissions in 2025?
Capital District Physicians Health Plan Inc's 2025 Form 5500 reports $150,125 in broker commissions and fees across 7 insurance contracts ($150,125 in commissions, $0 in fees), with Reiser Consulting Group, Inc. receiving the largest share.
Is Capital District Physicians Health Plan Inc's health plan self-funded or fully insured?
The 2025 filing indicates the plan is fully insured (an insurance carrier pays claims). Medical coverage is written by Capital District Physicians' Health Plan, Inc..
How does Capital District Physicians Health Plan Inc's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Capital District Physicians Health Plan Inc because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 1,000-4,999 participants that disclosed broker pay reported a median of $168,579.
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Record built October 24, 2026 from U.S. Department of Labor, EBSA Form 5500 datasets (2025, 2024, 2023 plan years, 'Latest' files). Filings can run 7 to 10 months behind the plan year; always confirm against current plan documents. BenefitsLedger is not affiliated with the U.S. Department of Labor. Open the DOL filing search.