| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | TOM FLYNN 30 CORPORATE DR CLIFTON PARK, NY 12065 | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | $19K | $0 | $19K | 4.19% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | SECURITY MUTUAL LIFE INSURANCE COMPANY OF NEW YORK | $5K | $0 | $5K | 9.08% |
| ENROLLEASE3 Filed as: KAFL, INC. | 800 LINDEN AVE ROCHESTER, NY 146252710 | SECURITY MUTUAL LIFE INSURANCE COMPANY OF NEW YORK | $1K | $0 | $1K | 2.12% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOC INC | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | GUARDIAN | $4K | $3K | $7K | 15.46% |
| HOWARD J. ELIAS, INC.3 | 355 LEXINGTON AVE 9TH FLOOR NEW YORK, NY 10017 | GUARDIAN | $36 | $0 | $36 | 0.08% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | TOM FLYNN 30 CORPORATE DR CLIFTON PARK, NY 12065 | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | $3K | $0 | $3K | 9.72% |
| SCHULTZ, RICHARD M.3 | 58 FORD STREET BALLSTON SPA, NY 12020 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOC INC | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 29.42% |
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 | 83 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 73 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | 110 | $481K |
| Dental | GUARDIAN | 54 | $45K |
| Vision | GUARDIAN | 54 | $45K |
| Life insurance | SECURITY MUTUAL LIFE INSURANCE COMPANY OF NEW YORK | 267 | $54K |
| Short-term disability(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 163 | $19K |
| Long-term disability | SECURITY MUTUAL LIFE INSURANCE COMPANY OF NEW YORK | 267 | $54K |
| Other(3 contracts, 3 carriers) | SECURITY MUTUAL LIFE INSURANCE COMPANY OF NEW YORK | 267 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 267 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.