| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 60694 | HIGHMARK WESTERN AND NORTHEASTERN NY INC | $45K | — | $45K | 3.72% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES, INC | 784 TROY-SCHENECTADY ROAD LATHAM, NY 12110 | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | $13K | — | $13K | 9.59% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 784 TROY-SCHENECTADY ROAD LATHAM, NY 12110 | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | $3K | — | $3K | 1.83% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 44 LIBERTY CENTER AVE PITTSBURGH, PA 15222 | HIGHMARK NORTHEASTERN NY | $2K | — | $2K | 7.48% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL AND STERLING EMPLOYEE BEN | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | COMPANION LIFE INSURANCE COMPANY | $841 | — | $841 | 8.23% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES INC | 42 SOUTH STREET GLENS FALLS, NY 12801 | COMPANION LIFE INSURANCE COMPANY | $182 | — | $182 | 1.78% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL AND STERLING EMPLOYEE BEN | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | COMPANION LIFE INSURANCE COMPANY | $576 | — | $576 | 8.30% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES INC | 42 SOUTH STREET GLENS FALLS, NY 12801 | COMPANION LIFE INSURANCE COMPANY | $117 | — | $117 | 1.69% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL AND STERLING EMPLOYEE BENE | 30 CORPORATE DR CLIFTON PARK, NY 12065 | THE PAUL REVERE LIFE INSURANCE COMPANY | $705 | — | $705 | 12.45% |
| BMB BENEFITS GROUP INC3 | 334 GRAY STREET HERKIMER, NY 13350 | THE PAUL REVERE LIFE INSURANCE COMPANY | $275 | $11 | $286 | 5.05% |
| DONALD H MATSON3 | 8 ROSEWOOD DR AUBURN, NY 13021 | THE PAUL REVERE LIFE INSURANCE COMPANY | $102 | $3 | $105 | 1.85% |
| LORRAINE RHODES3 | 4A KENSINGTON CT CLIFTON PARK, NY 12065 | THE PAUL REVERE LIFE INSURANCE COMPANY | $17 | — | $17 | 0.30% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL AND STERLING EMPLOYEE BEN | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | EYEMED VISION CARE | $171 | — | $171 | 9.74% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES INC | 42 SOUTH STREET GLENS FALLS, NY 12801 | EYEMED VISION CARE | $11 | — | $11 | 0.63% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL AND STERLING EMPLOYEE BEN | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | MUTUAL OF OMAHA INSURANCE COMPANY | $93 | — | $93 | 8.19% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES INC | 42 SOUTH STREET GLENS FALLS, NY 12801 | MUTUAL OF OMAHA INSURANCE COMPANY | $20 | — | $20 | 1.76% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL AND STERLING EMPLOYEE BEN | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | MUTUAL OF OMAHA INSURANCE COMPANY | $17 | — | $17 | 8.21% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES INC | 42 SOUTH STREET GLENS FALLS, NY 12801 | MUTUAL OF OMAHA INSURANCE COMPANY | $3 | — | $3 | 1.45% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SUN LIFE AND HEALTH INSURANCE CO. EIN 06-0893662 | Claims processing; Other fees Service code 12 | — | $0 |
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 | 107 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 45 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HIGHMARK WESTERN AND NORTHEASTERN NY INC | 114 | $1.4M |
| Vision | EYEMED VISION CARE | 25 | $2K |
| Life insurance(5 contracts, 3 carriers) | COMPANION LIFE INSURANCE COMPANY | 110 | $24K |
| Prescription drug(3 contracts, 3 carriers) | HIGHMARK WESTERN AND NORTHEASTERN NY INC | 114 | $1.4M |
| Other(2 contracts) | MUTUAL OF OMAHA INSURANCE COMPANY | 110 | $1K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 114 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.