| 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 | $81K | — | $81K | 8.87% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC | $40K | — | $40K | 4.35% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $5K | — | $5K | 1.78% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $2K | — | $2K | 0.87% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $912 | — | $912 | 0.35% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $2K | — | $2K | 1.46% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $2K | — | $2K | 0.97% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STREET POUGHKEEPSIE, NY 12065 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $763 | — | $763 | 0.48% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $4K | — | $4K | 5.58% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $650 | — | $650 | 0.87% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $581 | — | $581 | 0.78% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | FIRST UNUM LIFE INSURANCE COMPANY | $8K | — | $8K | 13.82% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | FIRST UNUM LIFE INSURANCE COMPANY | $6K | — | $6K | 14.80% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 42 SOUTH STREET GLENS FALLS, NY 12801 | METROPOLITAN PROPERTY AND CASULTY INSURANCE CO | $3K | — | $3K | 8.00% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | METROPOLITAN PROPERTY AND CASULTY INSURANCE CO | $762 | — | $762 | 2.05% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | METROPOLITAN PROPERTY AND CASULTY INSURANCE CO | — | $19 | $19 | 0.05% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | MARSHALL AND STERLING 110 MAIN STREET POUGHKEEPSIE, NY 12601 | ESI EMPLOYEE ASSISTANCE GROUP | $799 | — | $799 | 5.00% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | METROPOLITIAN GENERAL INSURANCE COMPANY | $749 | — | $749 | 9.97% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | METROPOLITIAN GENERAL INSURANCE COMPANY | $0 | $3 | $3 | 0.04% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | DELTA DENTAL OF NEW YORK | $4K | — | $4K | — |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | DELTA DENTAL OF NEW YORK | $2K | — | $2K | — |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING | PO BOX 2909 GLENVILLE, NY 12325 | BLUESHIELD OF NORTHEASTERN NEW YORK | $8K | — | $8K | — |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 42 SOUTH STREET GLENS FALLS, NY 12801 | BLUESHIELD OF NORTHEASTERN NEW YORK | $6K | — | $6K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MARSHALL & STERLING EMPLOYEE BENEFI PLAN ADMINISTRATOR | Plan Administrator Service code 14 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | $34K |
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 | 567 | 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) | 567 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC | 532 | $916K |
| Dental | DELTA DENTAL OF NEW YORK | 548 | $0 |
| Vision | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 522 | $159K |
| Life insurance | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 567 | $263K |
| Long-term disability | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 567 | $75K |
| Prescription drug | BLUESHIELD OF NORTHEASTERN NEW YORK | 518 | $0 |
| Stop-loss / reinsurancereinsurance | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC | 532 | $916K |
| Other(5 contracts, 4 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 546 | $157K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 567 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.