| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC | $93K | — | $93K | 2.39% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC | 30 CORPORATE DR CLIFTON PARK, NY 12065 | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC | $9K | — | $9K | 0.22% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 14.18% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DR CLIFTON PARK, NY 12065 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $3K | $6K | 7.95% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOC INC | 42 SOUTH STREET GLENS FALLS, NY 12801 | MUTUAL OF OMAHA INSURANCE COMPANY | $6K | $1K | $7K | 16.14% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOC INC | 42 SOUTH STREET GLENS FALLS, NY 12801 | COMPANION LIFE INSURANCE COMPANY | $4K | $1K | $5K | 11.84% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOC INC | 42 SOUTH STREET GLENS FALLS, NY 12801 | COMPANION LIFE INSURANCE COMPANY | $3K | $826 | $3K | 11.92% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOC INC | 42 SOUTH STREET GLENS FALLS, NY 12801 | MUTUAL OF OMAHA INSURANCE COMPANY | $2K | $772 | $3K | 12.17% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOC INC | 42 SOUTH STREET GLENS FALLS, NY 12801 | MUTUAL OF OMAHA INSURANCE COMPANY | $535 | $165 | $700 | 11.93% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOC INC | 42 SOUTH STREET GLENS FALLS, NY 12801 | MUTUAL OF OMAHA INSURANCE COMPANY | $319 | $104 | $423 | 12.11% |
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 | 698 | 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) | 698 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC | 383 | $3.9M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 449 | $81K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 449 | $81K |
| Life insurance(2 contracts) | COMPANION LIFE INSURANCE COMPANY | 698 | $69K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 164 | $46K |
| Prescription drug | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC | 383 | $3.9M |
| Other(5 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 698 | $156K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 698 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.