| 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 | $48K | — | $48K | 3.63% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | GUARDIAN GROUP LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 4.81% |
| WAG NY INC3 | 250 CROSSWAYS PK DR WOODBURY, NY 11797 | GUARDIAN GROUP LIFE INSURANCE COMPANY OF AMERICA | $111 | — | $111 | 0.18% |
| MICHELLE NOLAN3 | 46 ESOPUS DR CLIFTON PARK, NY 12065 | AFLAC | $1K | $138 | $1K | 6.91% |
| MELISSA ANN STEWART3 | 36 WINCOMA LANE QUEENSBURY, NY 12804 | AFLAC | $290 | $28 | $318 | 1.64% |
| AMY PETERS3 | 20 WILLOW LANE WYNANTSKILL, NY 12198 | AFLAC | $276 | $28 | $304 | 1.57% |
| ROSANN M CURRAN3 | 1536 RIDGE ROAD QUEENSBURY, NY 12804 | AFLAC | $286 | — | $286 | 1.47% |
| COLLEEN VANVLEET3 | 103 MCCREA STREET FORT EDWARD, NY 12828 | AFLAC | $166 | — | $166 | 0.85% |
| SABRINA HEILMANN3 | 152 GIFFORDS CHURCH ROAD SCHENECTADY, NY 12306 | AFLAC | $133 | — | $133 | 0.68% |
| KRISTA ANNE ROTONDI3 | 5 PINE WEST PLZ STE 503 ALBANY, NY 12205 | AFLAC | $88 | — | $88 | 0.45% |
| KELLY A IRVINE3 | 15801 WHITE ORCHID LANE FORT MYERS, FL 33908 | AFLAC | $60 | — | $60 | 0.31% |
| KAREN T TARANTINO3 | 16 CLARK STREET SOUTH GLENS FALLS, NY 12803 | AFLAC | $43 | — | $43 | 0.22% |
| BENITO A ROTONDI II INC3 | 23 PINE RIDGE ROAD SARATOGA SPRINGS, NY 12866 | AFLAC | $42 | — | $42 | 0.22% |
| DARRYL J YOUNG3 | 3820 GOLD CITY ROAD FRANKLIN, KY 42134 | AFLAC | $39 | — | $39 | 0.20% |
| BRIAN T MOYNIHAN3 | 84 TROY ROAD E GREENSBUSH, NY 12061 | AFLAC | $31 | — | $31 | 0.16% |
| ANTONETTE T WOJESKI3 | PO BOX 960 NORTH CHATHAM, NY 12132 | AFLAC | $20 | — | $20 | 0.10% |
| RUSSELL T BARRETT3 | 27 JULIANS WAY SARATOGA SPRINGS, NY 12866 | AFLAC | $15 | — | $15 | 0.08% |
| SUSAN CHILLE3 Filed as: SUSAN E CHILLE | 12 ST THOMAS MORE DRIVE WINCHESTER, MA 01890 | AFLAC | $11 | — | $11 | 0.06% |
| LISA J BRENNAN-JONES3 | 1014 CATHERINE WOODS SCHENECTADY, NY 12309 | AFLAC | $11 | — | $11 | 0.06% |
| BRAD JONES AND ASSOCIATES INC3 | 19 BRITISH AMERICAN BLVD E LATHAM, NY 12110 | AFLAC | $9 | — | $9 | 0.05% |
| SUSAN C BRIMHALL3 | PO BOX 336 SMITH STATION, AL 36877 | AFLAC | $7 | — | $7 | 0.04% |
| BRIAN T MOYNIHAN3 | 5 PINE WEST PLZ STE 503 ALBANY, NY 12205 | AFLAC | $6 | — | $6 | 0.03% |
| CHERYL A ROTONDI3 | 352 USHERS ROAD BALLSTON LAKE, NY 12019 | AFLAC | $5 | — | $5 | 0.03% |
| KEVIN MCCARTHY3 | 197 LANG DRIVE NORTH KINGSTOWN, RI 02852 | AFLAC | $3 | — | $3 | 0.02% |
| THOMAS FLORES3 Filed as: THOMAS E FLORES | 1265 15TH ST APT 16G FORT LEE, NJ 07024 | AFLAC | $3 | — | $3 | 0.02% |
| KEVIN MURPHY3 | 11 WILLOWBROOK TER CLIFTON PARK, NY 12065 | AFLAC | $2 | — | $2 | 0.01% |
| DUCK & COVER NY INC3 | 17 DALAMAR COURT LATHAM, NY 12110 | AFLAC | $1 | — | $1 | 0.01% |
| MICHAEL G RYAN3 | 836 HOOSIER PASS PRESCOTT, AZ 86301 | AFLAC | $1 | — | $1 | 0.01% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | EMPIRE HEALTHCHOICE ASSURANCE, INC | $307 | $354 | $661 | 7.89% |
| MICHELLE NOLAN3 | 46 ESOPUS DR CLIFTON PARK, NY 12065 | AFLAC | $829 | $178 | $1K | 13.15% |
| MELISSA ANN STEWART3 | 36 WINCOMA LN QUEENSBURY, NY 12804 | AFLAC | $224 | $36 | $260 | 3.40% |
| AMY PETERS3 | 20 WILLOW LN WYNANTSKILL, NY 12198 | AFLAC | $177 | $36 | $213 | 2.78% |
| ROSANN M CURRAN3 | 1536 RIDGE RD QUEENSBURY, NY 12804 | AFLAC | $213 | — | $213 | 2.78% |
| SUSAN CHILLE3 Filed as: SUSAN E. CHILLE | 12 ST THOMAS MORE DRIVE WINCHESTER, MA 01890 | AFLAC | $47 | — | $47 | 0.61% |
| KELLY A IRVINE3 | 15801 WHITE ORCHID LANE FORT MYERS, FL 33908 | AFLAC | $42 | — | $42 | 0.55% |
| BRAD JONES AND ASSOCIATES INC3 | 19 BRITISH AMERICAN BLVD LATHAM, NY 12110 | AFLAC | $13 | — | $13 | 0.17% |
| DUCK & COVER NY INC3 | 17 DALAMAR CT LATHAM, NY 12110 | AFLAC | $6 | — | $6 | 0.08% |
| RUSSELL T BARRETT3 | 27 JULIANS WAY SARATOGA SPRINGS, NY 12866 | AFLAC | $4 | — | $4 | 0.05% |
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 | 127 | 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) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC | 175 | $1.3M |
| Dental | GUARDIAN GROUP LIFE INSURANCE COMPANY OF AMERICA | 91 | $61K |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC | 137 | $8K |
| Life insurance | AFLAC | 4 | $8K |
| Short-term disability | AFLAC | 4 | $8K |
| Prescription drug | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC | 175 | $1.3M |
| Other(2 contracts) | AFLAC | 22 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 175 | — |
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.