| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC | $18K | — | $18K | 6.81% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC | $6K | — | $6K | 12.90% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES INC | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC | $3K | — | $3K | 6.97% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 10.74% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | MUTUAL OF OMAHA INSURANCE COMPANY | $1K | $297 | $2K | 8.29% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | MUTUAL OF OMAHA INSURANCE COMPANY | $610 | — | $610 | 3.35% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | MUTUAL OF OMAHA INSURANCE COMPANY | $978 | $443 | $1K | 9.82% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | MUTUAL OF OMAHA INSURANCE COMPANY | $469 | — | $469 | 3.24% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | MUTUAL OF OMAHA INSURANCE COMPANY | $462 | $191 | $653 | 9.64% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | MUTUAL OF OMAHA INSURANCE COMPANY | $215 | — | $215 | 3.17% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| JAEGER & FLYNN ASSOCIATES EIN 14-1747264 FSA ADMIN & WELLNESS | Contract Administrator; Other fees Service code 13 | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | $14K |
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 | 192 | 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) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC | 135 | $310K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 192 | $25K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 192 | $25K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 192 | $25K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 117 | $18K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 192 | $25K |
| Prescription drug(2 contracts) | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC | 135 | $310K |
| Stop-loss / reinsurancereinsurance | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC | 133 | $49K |
| Other(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 192 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.