| 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. | $121K | — | $121K | 12.53% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | HUMANA INSURANCE COMPANY OF NEW YORK | $3K | — | $3K | 4.61% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | HUMANA INSURANCE COMPANY | $200 | — | $200 | 3.36% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | HUMANA INSURANCE COMPANY | $300 | — | $300 | 5.04% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| JAEGER & FLYNN NONE | Direct payment from the plan; Insurance agents and brokers Service code 22 | 42 SOUTH STREET GLEN FALLS, NY 12801 | $33K |
| UBS FINANCIAL SERVICES EIN 13-2638166 NONE | Account maintenance fees; Investment advisory (plan); Direct payment from the plan; Other fees; Investment management fees paid directly by plan Service code 27 | — | $20K |
| COMERICA BANK EIN 42-1741646 NONE | Other services; Float revenue; Custodial (securities); Trustee (bank, trust company, or similar financial institution); Shareholder servicing fees; Direct payment from the plan Service code 19 | — | $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 | 565 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 33 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 598 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | 1,432 | $1.1M |
| Prescription drug(3 contracts, 2 carriers) | HUMANA INSURANCE COMPANY OF NEW YORK | 28 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,432 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.