| 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. | $26K | — | $26K | 2.69% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | TOM FLYNN 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | $22K | — | $22K | 2.26% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | CAPTIAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | $4K | — | $4K | 2.49% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | TOM FLYNN 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | CAPTIAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | $2K | — | $2K | 1.26% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOC INC | 30 CORPORATE DRIVE CLIFTON PARK, NY 12605 | THE GUARDIAN LIFE INSURANCE OF AMERICA | $2K | $710 | $3K | 4.25% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | THE GUARDIAN LIFE INSURANCE OF AMERICA | $2K | — | $2K | 2.79% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOC INC | 42 SOUTH STREET GLENS FALLS, NY 12801 | COMPANION LIFE INSURANCE COMPANY | $512 | $423 | $935 | 6.51% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING EMPLOYEE BEN | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | COMPANION LIFE INSURANCE COMPANY | $923 | — | $923 | 6.43% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOC INC | 42 SOUTH STREET GLENS FALLS, NY 12801 | MUTUAL OF OMAHA INSURANCE COMPANY | $299 | $300 | $599 | 6.92% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | MUTUAL OF OMAHA INSURANCE COMPANY | $567 | — | $567 | 6.55% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | FIRST UNUNM LIFE INSURANCE COMPANY | $657 | — | $657 | 14.98% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK DBA | 6 TOWER PLACE ALBANY, NY 12203 | FIRST UNUNM LIFE INSURANCE COMPANY | $57 | $3 | $60 | 1.37% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN - HEADQUARTERS | PO BOX 2412 DAYTONA BEACH, FL 32115 | FIRST UNUNM LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOC INC | 42 SOUTH STREET GLENS FALLS, NY 12801 | COMPANION LIFE INSURANCE COMPANY | $149 | $140 | $289 | 6.87% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | COMPANION LIFE INSURANCE COMPANY | $271 | — | $271 | 6.44% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOC INC | 42 SOUTH STREET GLENS FALLS, NY 12801 | MUTUAL OF OMAHA INSURANCE COMPANY | $18 | $17 | $35 | 7.07% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | MUTUAL OF OMAHA INSURANCE COMPANY | $32 | — | $32 | 6.46% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | FIRST UNUM LIFE INSURANCE COMPANY | $55 | — | $55 | 15.11% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN - HEADQUARTERS | PO BOX 2412 DAYTONA BEACH, FL 32115 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK DBA | 6 TOWER PLACE ALBANY, NY 12203 | FIRST UNUM LIFE INSURANCE COMPANY | -$5 | $0 | -$5 | -1.37% |
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 | 169 | 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) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | 92 | $1.1M |
| Dental | THE GUARDIAN LIFE INSURANCE OF AMERICA | 110 | $60K |
| Vision | THE GUARDIAN LIFE INSURANCE OF AMERICA | 110 | $60K |
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 169 | $4K |
| Long-term disability(2 contracts, 2 carriers) | FIRST UNUNM LIFE INSURANCE COMPANY | 12 | $5K |
| Prescription drug(2 contracts, 2 carriers) | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | 92 | $1.1M |
| Other(4 contracts, 3 carriers) | CAPTIAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | 169 | $167K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 169 | — |
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.