| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DR CLIFTON PARK, NY 12065 | CAPITAL DISTRICT PHYSICIANS HEALTH PLAN | $14K | — | $14K | 4.06% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOC | 30 CORPORATE DR CLIFTON PARK, NY 12065 | MVP HEALTH CARE | $16K | — | $16K | 4.68% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOC | 30 CORPORATE DR CLIFTON PARK, NY 12065 | CAPITAL DISTRICT PHYSICIANS HEALTH PLAN | $3K | — | $3K | 4.19% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOC | 42 SOUTH STREET GLENS FALLS, NY 12801 | HARTFORD LIFE AND ACCIDENT | $4K | $340 | $4K | 12.32% |
| ENROLLEASE Filed as: JAEGER & FLYNN ASSOC | 30 CORPORATE DR CLIFTON PARK, NY 12065 | GUARDIAN | $2K | $2K | $4K | 13.99% |
| WAG NY INC | 250 CROSSWAYS PK DR WOODBURY, NY 11797 | GUARDIAN | — | $24 | $24 | 0.08% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOC | 42 SOUTH STREET GLENS FALLS, NY 12801 | HARTFORD LIFE AND ACCIDENT | $3K | $202 | $3K | 15.92% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOC, INC. | 30 CORPORATE DR CLIFTON PARK, NY 12065 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $283 | $60 | $343 | 11.71% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ZENITH AMERICAN SOLUTIONS EIN 52-1590516 NONE | Plan Administrator Service code 14 | — | $33K |
| JAEGER & FLYNN EIN 14-1747264 NONE | Insurance agents and brokers; Claims processing Service code 12 | — | $23K |
| TEAL, BECKER & CHIARAMONTE CPAS EIN 14-1624930 NONE | Accounting (including auditing) Service code 10 | — | $18K |
| MERRILL LYNCH PIERCE FENNER & SMITH EIN 13-5674085 NONE | Investment advisory (plan) Service code 27 | — | $16K |
| WESTERN ASSET MULTI CORE PLUS EIN 13-3985152 NONE | Investment management Service code 28 | — | $7K |
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 | 102 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 52 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | CAPITAL DISTRICT PHYSICIANS HEALTH PLAN | 67 | $763K |
| Dental | GUARDIAN | 31 | $32K |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 51 | $3K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 164 | $33K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 85 | $20K |
| Prescription drug(3 contracts, 2 carriers) | CAPITAL DISTRICT PHYSICIANS HEALTH PLAN | 67 | $763K |
| Other | HARTFORD LIFE AND ACCIDENT | 85 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 164 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.