| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: BOUCHEY AND CLARKE BENEFITS INC. | P.O. BOX 1616 TROY, NY 12181 | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | $9K | — | $9K | 2.24% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: COOL INSURING AGENCY | 784 TROY SCHENECTADY RD LATHAM, NY 12110 | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | $6K | — | $6K | 1.60% |
| ENROLLEASE3 Filed as: BOUCHEY AND CLARKE BENEFITS, INC. | 293 TROY SCHENECTADY ROAD LATHAM, NY 12110 | GUARDIAN | $2K | — | $2K | 4.75% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: COOL INSURING AGENCY | 784 TROY SCHENECTADY ROAD LATHAM, NY 12110 | GUARDIAN | $870 | — | $870 | 1.99% |
| HOWARD J. ELIAS, INC.3 | 355 LEXINGTON AVE., 9TH FLOOR NEW YORK, NY 10017 | GUARDIAN | $21 | — | $21 | 0.05% |
| HOWARD J. ELIAS, INC.3 | 355 LEXINGTON AVE 9FL NEW YORK, NY 10017 | GUARDIAN | $9 | — | $9 | 0.02% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOC INC | 30 CORPORATE DR CLIFTON PARK, NY 12065 | MUTUAL OF OMAHA INSURANCE COMPANY | $263 | — | $263 | 8.73% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: COOL INSURING AGENCY, INC | 784 TROY SCHENECTADY RD LATHAM, NY 12110 | MUTUAL OF OMAHA INSURANCE COMPANY | $189 | — | $189 | 6.27% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOC IN | 30 CORPORATE DR CLIFTON PARK, NY 12065 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $32 | $32 | 1.06% |
| MARK BAKER3 | 784 TROY SCHENECTADY ROAD LATHAM, NY 12110 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $226 | — | $226 | 7.84% |
| ENROLLEASE3 Filed as: MATTHEW CLARKE | PO BOX 1616 TROY, NY 12181 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $207 | — | $207 | 7.18% |
| EMERSON REID LLC3 | 350 FIFTH AVENUE, SUITE 3700 NEW YORK, NY 10018 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $212 | — | $212 | 20.00% |
| THOMAS E MESTMAKER INSURANCE AGENCY3 | PO BOX 14067 JACKSON, MS 39236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $198 | — | $198 | 20.04% |
| ENROLLEASE3 Filed as: MATTHEW CLARKE | PO BOX 1616 TROY, NY 12181 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $148 | — | $148 | 14.98% |
| ENROLLEASE3 Filed as: MATTHEW CLARKE | PO BOX 1616 TROY, NY 12181 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $9 | — | $9 | 7.89% |
| MARK BAKER3 | 784 TROY SCHENECTADY ROAD LATHAM, NY 12110 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $8 | — | $8 | 7.02% |
| MARK BAKER3 | 784 TROY SCHENECTADY ROAD LATHAM, NY 12110 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $7 | — | $7 | 8.64% |
| ENROLLEASE3 Filed as: MATTHEW CLARKE | PO BOX 1616 TROY, NY 12181 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $5 | — | $5 | 6.17% |
| THOMAS E MESTMAKER INSURANCE AGENCY3 | PO BOX 14067 JACKSON, MS 39236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13 | — | $13 | 19.40% |
| ENROLLEASE3 Filed as: MATTHEW CLARKE | PO BOX 1616 TROY, NY 12181 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10 | — | $10 | 14.93% |
| THOMAS E MESTMAKER INSURANCE AGENCY3 | PO BOX 14067 JACKSON, MS 39236 | LIFE INSURANCE COMPNAY OF NORTH AMERICA | $3 | — | $3 | 20.00% |
| ENROLLEASE3 Filed as: MATTHEW CLARKE | PO BOX 1616 TROY, NY 12181 | LIFE INSURANCE COMPNAY OF NORTH AMERICA | $2 | — | $2 | 13.33% |
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 | 154 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | 60 | $391K |
| Dental | GUARDIAN | 59 | $44K |
| Vision | GUARDIAN | 59 | $44K |
| Life insurance(6 contracts, 3 carriers) | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 24 | $4K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 13 | $3K |
| Other | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | 0 | $1K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 60 | — |
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.