| 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 | $51K | — | $51K | 3.53% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | GUARDIAN GROUP LIFE INSURANCE COMPANY OF AMERICA | $4K | $6K | $10K | 12.17% |
| WAG NY INC3 | 250 CROSSWAYS PK DR WOODBURY, NY 11797 | GUARDIAN GROUP LIFE INSURANCE COMPANY OF AMERICA | $31 | — | $31 | 0.04% |
| MICHELLE NOLAN3 | 46 ESOPUS DR CLIFTON PARK, NY 12065 | AFLAC | $2K | — | $2K | 8.57% |
| AMY PETERS3 | 20 WILLOW LANE WYNANTSKILL, NY 12198 | AFLAC | $363 | — | $363 | 1.92% |
| MELISSA ANN STEWART3 | 36 WINCOMA LANE QUEENSBURY, NY 12804 | AFLAC | $342 | — | $342 | 1.81% |
| ROSANN M CURRAN3 | 1536 RIDGE ROAD QUEENSBURY, NY 12804 | AFLAC | $243 | — | $243 | 1.28% |
| SABRINA HEILMANN3 | 152 GIFFORDS CHURCH ROAD SCHENECTADY, NY 12306 | AFLAC | $120 | — | $120 | 0.63% |
| KRISTA ANNE ROTONDI3 | 5 PINE WEST PLZ STE 503 ALBANY, NY 12205 | AFLAC | $74 | — | $74 | 0.39% |
| KELLY A IRVINE3 | 15801 WHITE ORCHID LANE FORT MYERS, FL 33908 | AFLAC | $53 | — | $53 | 0.28% |
| KAREN T TARANTINO3 | 16 CLARK STREET SOUTH GLENS FALLS, NY 12803 | AFLAC | $43 | — | $43 | 0.23% |
| BENITO A ROTONDI II INC3 | 23 PINE RIDGE ROAD SARATOGA SPRINGS, NY 12866 | AFLAC | $37 | — | $37 | 0.20% |
| BRIAN T MOYNIHAN3 | 84 TROY ROAD E GREENSBUSH, NY 12061 | AFLAC | $34 | — | $34 | 0.18% |
| DARRYL J YOUNG3 | 3820 GOLD CITY ROAD FRANKLIN, KY 42134 | AFLAC | $32 | — | $32 | 0.17% |
| ANTONETTE T WOJESKI3 | PO BOX 960 NORTH CHATHAM, NY 12132 | AFLAC | $18 | — | $18 | 0.10% |
| RUSSELL T BARRETT3 | 27 JULIANS WAY SARATOGA SPRINGS, NY 12866 | AFLAC | $13 | — | $13 | 0.07% |
| 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 | $10 | — | $10 | 0.05% |
| BRAD JONES AND ASSOCIATES INC3 | 19 BRITISH AMERICAN BLVD E LATHAM, NY 12110 | AFLAC | $8 | — | $8 | 0.04% |
| ONALEE R. BOUTON3 Filed as: ONALEE R BOUTON | 3077 COUNTY HIGHWAY 18 NEW BERLIN, NY 13411 | AFLAC | $6 | — | $6 | 0.03% |
| SUSAN C BRIMHALL3 | PO BOX 336 SMITH STATION, AL 36877 | AFLAC | $5 | — | $5 | 0.03% |
| CHERYL A ROTONDI3 | 352 USHERS ROAD BALLSTON LAKE, NY 12019 | AFLAC | $4 | — | $4 | 0.02% |
| 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% |
| GORDON B ROBERTS AGENCY INC3 | 706 N CLINTON STREET SYRACUSE, NY 13204 | AFLAC | $3 | — | $3 | 0.02% |
| KEVIN MURPHY3 | 11 WILLOWBROOK TER CLIFTON PARK, NY 12065 | AFLAC | $1 | — | $1 | 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 | $394 | $338 | $732 | 6.78% |
| MICHELLE NOLAN3 | 46 ESOPUS DR CLIFTON PARK, NY 12065 | AFLAC | $483 | — | $483 | 5.86% |
| ROSANN M CURRAN3 | 1536 RIDGE RD QUEENSBURY, NY 12804 | AFLAC | $213 | — | $213 | 2.59% |
| MELISSA ANN STEWART3 | 36 WINCOMA LN QUEENSBURY, NY 12804 | AFLAC | $181 | — | $181 | 2.20% |
| AMY PETERS3 | 20 WILLOW LN WYNANTSKILL, NY 12198 | AFLAC | $127 | — | $127 | 1.54% |
| SUSAN CHILLE3 Filed as: SUSAN E. CHILLE | 12 ST THOMAS MORE DRIVE WINCHESTER, MA 01890 | AFLAC | $47 | — | $47 | 0.57% |
| KELLY A IRVINE3 | 15801 WHITE ORCHID LANE FORT MYERS, FL 33908 | AFLAC | $42 | — | $42 | 0.51% |
| CHARLES T JOHNSON3 | 37 BOYNTON AVENUE STE 3 PLATTSBURGH, NY 12901 | AFLAC | $15 | — | $15 | 0.18% |
| BRAD JONES AND ASSOCIATES INC3 | 19 BRITISH AMERICAN BLVD LATHAM, NY 12110 | AFLAC | $13 | — | $13 | 0.16% |
| ONALEE R. BOUTON3 | 3077 COUNTY HIGHWAY 18 NEW BERLIN, NY 13411 | AFLAC | $9 | — | $9 | 0.11% |
| DUCK & COVER NY INC3 | 17 DALAMAR CT LATHAM, NY 12110 | AFLAC | $6 | — | $6 | 0.07% |
| RUSSELL T BARRETT3 | 27 JULIANS WAY SARATOGA SPRINGS, NY 12866 | AFLAC | $4 | — | $4 | 0.05% |
| GORDON B ROBERTS AGENCY INC3 | 706 N CLINTON STREET SYRACUSE, NY 13204 | 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 | 106 | 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) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC | 106 | $1.5M |
| Dental | GUARDIAN GROUP LIFE INSURANCE COMPANY OF AMERICA | 103 | $80K |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC | 89 | $11K |
| Life insurance | AFLAC | 6 | $8K |
| Short-term disability | AFLAC | 6 | $8K |
| Prescription drug | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC | 106 | $1.5M |
| Other(2 contracts) | AFLAC | 27 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 106 | — |
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.