| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING EMPLOYEE | BENEFITS INC 110 MAIN STREET POUGHKEEPSIE, NY 12601 | CAPITAL DISTTRICT PHYSICIANS HEALTH PLAN, INC. | $77K | — | $77K | 4.80% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES INC | TOM FLYNN 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | CAPITAL DISTTRICT PHYSICIANS HEALTH PLAN, INC. | $48K | — | $48K | 3.00% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING EMPLOYEE | BENEFITS INC. 110 MAIN STREET POUGHKEEPSIE, NY 12601 | EMBLEMHEALTH SERVICES COMPANY LLC | $28K | — | $28K | 2.85% |
| JEAGER & FLYNN ASSOCIATES, INC.3 Filed as: JEAGER & FLYNN | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | GUARDIAN LIFE INSURANCE COMPANY | — | $981 | $981 | 4.61% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES INC | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $104 | $402 | $506 | 5.06% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING EMPLOYEE | BENEFITS INC 110 MAIN STREET POUGHKEEPSIE, NY 12601 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $257 | — | $257 | 2.57% |
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 | 345 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 345 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CAPITAL DISTTRICT PHYSICIANS HEALTH PLAN, INC. | 272 | $2.6M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 345 | $21K |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 201 | $10K |
| Prescription drug(2 contracts, 2 carriers) | CAPITAL DISTTRICT PHYSICIANS HEALTH PLAN, INC. | 272 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 345 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.