| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: COOL INSURING AGENCY INC. | 784 TROY-SCHENECTADY ROAD LATHAM, NY 12110 | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | $50K | — | $50K | 3.62% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: COOL INSURING AGENCY | 784 TROY-SCHENECTADY ROAD LATHAM, NY 12110 | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | $12K | $0 | $12K | 11.67% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: COOL INSURING AGENCY INC. | 784 TROY-SCHENECTADY ROAD LATHAM, NY 12110 | HEALTHNOW NEW YORK, INC. DBA BLUESHIELD OF NORTHEASTERN NEW YORK | $700 | $0 | $700 | 3.95% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 120658603 | COMPANION LIFE INSURANCE COMPANY | $2K | $383 | $2K | 12.22% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 120658603 | COMPANION LIFE INSURANCE COMPANY | $766 | $199 | $965 | 12.60% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | THE PAUL REVERE LIFE INSURANCE COMPANY | $539 | $0 | $539 | 11.91% |
| LORRAINE RHODES3 | 1465 ROUTE 29 GATEWAY, NY 12074 | THE PAUL REVERE LIFE INSURANCE COMPANY | $7 | $1 | $8 | 0.18% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES INC | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | EYEMED VISION CARE | $187 | — | $187 | 9.20% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES INC | 42 SOUTH STREET GLENS FALLS, NY 12801 | EYEMED VISION CARE | $15 | — | $15 | 0.74% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 120658603 | MUTUAL OF OMAHA INSURANCE COMPANY | $192 | $43 | $235 | 12.23% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 120658603 | MUTUAL OF OMAHA INSURANCE COMPANY | $43 | $11 | $54 | 12.56% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNION SECURITY LIFE INS. CO. OF NY EIN 81-0170040 | Other fees; Claims processing Service code 12 | — | $11K |
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 | 198 | 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) | 198 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | 215 | $1.5M |
| Vision | EYEMED VISION CARE | 27 | $2K |
| Life insurance(3 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 167 | $29K |
| Prescription drug(3 contracts, 3 carriers) | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | 215 | $1.4M |
| Other(2 contracts) | MUTUAL OF OMAHA INSURANCE COMPANY | 167 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 215 | — |
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."
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.