| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC | $116K | — | $116K | 2.34% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC | $31K | — | $31K | 0.62% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES INC. | 30 CORPORATE DR CLIFTON PARK, NY 12065 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $26K | $26K | 4.95% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN | 99 TROY ROAD EAST GREENBUSH, NY 12061 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| JAEGER & FLYNN3 Filed as: JAEGER & FLYNN ASSOCAITES INC | 42 SOUTH STREET GLENS FALLS, NY 12801 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $1K | $2K | $3K | 7.34% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $278 | — | $278 | 0.67% |
| ROSE & KIERNAN INC3 | 99 TROY ROAD EAST GREENBUSH, NY 12061 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 42 SOUTH STREET GLENS FALLS, NY 12801 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DR CLIFTON PARK, NY 12065 | DELTA DENTAL OF NEW YORK | — | — | $0 | 0.00% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $840 | — | $840 | 3.92% |
| EMPLOYEE FAMILY PROTECTION INC3 Filed as: EMPLOYEE FAMILY PROTECTION, INC | PO BOX 1237 GLAS, CT 06033 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $573 | — | $573 | 2.67% |
| ROSE & KIERNAN INC3 | 99 TROY ROAD EAST GREENBUSH, NY 12061 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $349 | — | $349 | 1.63% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | TELEDOC HEALTH, INC. | $801 | — | $801 | 5.13% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | TELADOC HEALTH, INC. | $801 | — | $801 | 15.00% |
| ROSE & KIERNAN INC3 | 99 TROY ROAD EAST GREENBUSH, NY 12061 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 42 SOUTH STREET GLENS FALLS, NY 12801 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | TRANSAMERICA LIFE INSURANCE COMPANY | $271 | — | $271 | 27.24% |
| EMPLOYEE FAMILY PROTECTION INC3 Filed as: EMPLOYEE FAMILY PROTECTION, INC | PO BOX 1237 GLASTONBURY, CT 06033 | TRANSAMERICA LIFE INSURANCE COMPANY | $17 | — | $17 | 1.71% |
| ROSE & KIERNAN INC3 | 99 TROY ROAD EAST GREENBUSH, NY 12061 | TRANSAMERICA LIFE INSURANCE COMPANY | $11 | — | $11 | 1.11% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MARSHALL & STERLING EMPLOYEE BENEFI EIN 14-1769291 HRA & FSA ADMINISTRATOR | Contract Administrator Service code 13 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | $18K |
| CIGNA HEALTH AND LIFE INSURANCE EIN 59-1031071 PLAN ADMINISTRATOR | Plan Administrator Service code 14 | — | $7K |
| LEGAL CLUB OF AMERICA PREPAID LEGAL SERVICES | Legal Service code 29 | 7771 W OAKLAND PARK BLVD SUITE 217 SUNRISE, FL 33351 | $2K |
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 | 585 | 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) | 585 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC | 366 | $5.5M |
| Dental | DELTA DENTAL OF NEW YORK | 441 | $23K |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 361 | $42K |
| Life insurance(3 contracts, 3 carriers) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 585 | $96K |
| Short-term disability(2 contracts, 2 carriers) | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | 77 | $22K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 547 | $37K |
| Prescription drug(2 contracts, 2 carriers) | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC | 366 | $5.5M |
| Other(6 contracts, 5 carriers) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 739 | $118K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 739 | — |
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.