| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 784 TROY-SCHENECTADY ROAD LATHAM, NY 12110 | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | $121K | — | $121K | 5.75% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 500 PATROON CREEK BLVD ALBANY, NY 12206 | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | $13K | — | $13K | 11.43% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: COOL INSURING AGENCY, INC. | 784 TROY-SCHENECTADY ROAD LATHAM, NY 12110 | BLUESHIELD OF NORTHEASTERN NY | $2K | — | $2K | 7.55% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES INC | 30 CORPORATE DR HALFMOON, NY 12065 | COMPANION LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES INC | 30 CORPORATE DR HALFMOON, NY 12065 | COMPANION LIFE INSURANCE COMPANY | — | $742 | $742 | 5.27% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES INC | 30 CORPORATE DR HALFMOON, NY 12065 | COMPANION LIFE INSURANCE COMPANY | $857 | — | $857 | 10.01% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES INC | 30 CORPORATE DR HALFMOON, NY 12065 | COMPANION LIFE INSURANCE COMPANY | — | $381 | $381 | 4.45% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES INC | 30 CORPORATE DR HALFMOON, NY 12065 | MUTUAL OF OMAHA INSURANCE COMPANY | $157 | — | $157 | 10.03% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES INC | 30 CORPORATE DR HALFMOON, NY 12065 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $82 | $82 | 5.24% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES INC | 30 CORPORATE DR CLIFTON PARK, NY 12065 | EYEMED VISION CARE | $139 | — | $139 | 10.26% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES INC | 30 CORPORATE DR HALFMOON, NY 12065 | MUTUAL OF OMAHA INSURANCE COMPANY | $33 | — | $33 | 9.97% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES INC | 30 CORPORATE DR HALFMOON, NY 12065 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $16 | $16 | 4.83% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES INC | 30 CORPORATE DR CLIFTON PARK, NY 12065 | THE PAUL REVERE LIFE INSURANCE COMPANY | $557 | — | $557 | — |
| LORRAINE RHODES3 | 4A KENSINGTON COURT CLIFTON PARK, NY 12065 | THE PAUL REVERE LIFE INSURANCE COMPANY | $110 | — | $110 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SUN LIFE ASSURANCE CO. OF CANADA EIN 81-0170040 | Claims processing; Other fees Service code 12 | — | $9K |
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 | 158 | 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) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | 146 | $2.2M |
| Vision | EYEMED VISION CARE | 19 | $1K |
| Life insurance(5 contracts, 3 carriers) | COMPANION LIFE INSURANCE COMPANY | 121 | $25K |
| Prescription drug(2 contracts, 2 carriers) | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | 146 | $2.1M |
| Other(2 contracts) | MUTUAL OF OMAHA INSURANCE COMPANY | 121 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 146 | — |
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.
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.