| 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 | 3.91% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOC | 30 CORPORATE DR CLIFTON PARK, NY 12065 | MVP HEALTH CARE | $16K | — | $16K | 4.61% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DR CLIFTON PARK, NY 12065 | CAPITAL DISTRICT PHYSICIANS HEALTH PLAN | $3K | — | $3K | 4.36% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOC | 30 CORPORATE DR CLIFTON PARK, NY 12065 | GUARDIAN | $3K | $3K | $6K | 14.95% |
| WAG NY INC3 | 250 CROSSWAYS PARK DRIVE WOODBURY, NY 11797 | GUARDIAN | $25 | — | $25 | 0.06% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOC | 42 SOUTH STREET GLENS FALLS, NY 12801 | HARTFORD LIFE AND ACCIDENT | $3K | — | $3K | 9.68% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOC | 42 SOUTH STREET GLENS FALLS, NY 12801 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 12.57% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOC, INC. | 30 CORPORATE DR CLIFTON PARK, NY 12065 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $380 | $115 | $495 | 22.33% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ZENITH AMERICAN SOLUTIONS EIN 52-1590516 NONE | Plan Administrator Service code 14 | — | $34K |
| JAEGER & FLYNN EIN 14-1747264 NONE | Claims processing; Insurance agents and brokers Service code 12 | — | $21K |
| MERRILL LYNCH PIERCE FENNER & SMITH EIN 13-5674085 NONE | Investment advisory (plan) Service code 27 | — | $18K |
| TEAL, BECKER & CHIARAMONTE CPAS EIN 14-1624930 NONE | Accounting (including auditing) Service code 10 | — | $14K |
| WESTERN ASSET MULTI CORE PLUS EIN 13-3985152 NONE | Investment management Service code 28 | — | $8K |
| BARNES, IACCARINO & SHEPHERD LLP EIN 26-3858697 NONE | Legal Service code 29 | — | $6K |
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 | 119 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 57 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | CAPITAL DISTRICT PHYSICIANS HEALTH PLAN | 66 | $793K |
| Dental | GUARDIAN | 43 | $39K |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 70 | $2K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 167 | $33K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 98 | $19K |
| Prescription drug(3 contracts, 2 carriers) | CAPITAL DISTRICT PHYSICIANS HEALTH PLAN | 66 | $793K |
| Other | HARTFORD LIFE AND ACCIDENT | 97 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 167 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.