| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAEGER & FLYNN3 | 30 COPORATE DRIVE CLIFTON PARK, NY 12065 | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | $128K | — | $128K | 2.24% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | $6K | — | $6K | 8.48% |
| JAEGER & FLYNN3 | 42 SOUTH STREET GLEN FALLS, NY 12801 | BLUESHIELD OF NORTHEASTERN NEW YORK | $1K | — | $1K | 3.65% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UBS FINANCIAL SERVICES EIN 13-2638166 N/A | Other fees; Investment management fees paid directly by plan; Account maintenance fees; Direct payment from the plan; Investment advisory (plan) Service code 27 | — | $19K |
| JAEGER & FLYNN N/A | Direct payment from the plan; Insurance agents and brokers Service code 22 | 42 SOUTH STREET GLEN FALLS, NY 12801 | $10K |
| COMERICA BANK EIN 42-1741646 N/A | Trustee (directed); Float revenue; Shareholder servicing fees; Other fees; Trustee (bank, trust company, or similar financial institution); Direct payment from the plan Service code 21 | — | $8K |
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 | 554 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 26 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 580 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | 1,367 | $5.8M |
| Prescription drug | BLUESHIELD OF NORTHEASTERN NEW YORK | 6 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,367 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.