| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | HEALTHNOW NEW YORK, INC. | $199K | — | $199K | 2.23% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES | 30 CORPORATE DRIVE CLIFTON PARK, NY 12265 | DELTA DENTAL | $12K | — | $12K | 1.80% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | THE HARTFORD | $16K | $6K | $22K | 3.52% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | EMPIRE BLUE CROSS | $3K | — | $3K | 4.01% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES | 30 CORPORATE DRIVE CLIFTON PARK, NE 12065 | HYATT LEGAL PLANS | $3K | $15 | $3K | 10.95% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC | 30 CORPORATE DR. CLIFTON PARK, NY 12065 | ESI EMPLOYEE ASSISTANCE GROUP | $1K | — | $1K | 5.00% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES INC. | 30 CORPORATE DR CLIFTON PARK, NY 12065 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3K | — | $3K | 14.99% |
| PENELOPE DEAN KENNY3 | 3555 S OCEAN BLVD APT 215 S PALM BEACH, FL 33480 | THE PAUL REVERE LIFE INSURANCE COMPANY | $174 | — | $174 | 0.91% |
| LORRAINE RHODES3 | 1465 ROUTE 29 GALWAY, NY 12074 | THE PAUL REVERE LIFE INSURANCE COMPANY | $32 | $8 | $40 | 0.21% |
| ROSEANN REYNOLDS3 | 163 CEDAR ST BRANFORD, CT 06405 | THE PAUL REVERE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.04% |
| VANESSA N DEAN3 | 92 LIMEWOOD AVE BRANFORD, CT 06405 | THE PAUL REVERE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.04% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $969 | $0 | $969 | 5.22% |
| PENELOPE DEAN KENNY3 | 2560 SOUTH OCEAN BLVD 418 PALM BEACH, FL 33480 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $222 | $0 | $222 | 1.20% |
| DORIS M KERCHNER3 | 1875 KERRY CREEK DRIVE MARIETTA, GA 30066 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $184 | $0 | $184 | 0.99% |
| JAMES H CLARK3 | 500 FAIRWAY COURT NEWMAN, GA 30265 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $184 | $0 | $184 | 0.99% |
| ROSEANN REYNOLDS3 | 163 CEDAR ST BRANFORD, CT 06405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | $20 | $39 | 0.21% |
| VANESSA N DEAN3 | 92 LIMEWOOD AVE BRANFORD, CT 06405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | $0 | $19 | 0.10% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DR CLIFTON PARK, NY 12065 | THE PAUL REVERE LIFE INSURANCE COMPANY | $557 | — | $557 | 13.08% |
| LORRAINE RHODES3 | 1465 ROUTE 29 GALWAY, NY 12074 | THE PAUL REVERE LIFE INSURANCE COMPANY | $5 | $1 | $6 | 0.14% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES INC | 30 CORPORATE DR CLIFTON PARK, NY 12065 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $42 | $0 | $42 | 1.41% |
| PENELOPE DEAN KENNY3 | 3555 S OCEAN BLVD APT 215 S PALM BEACH, FL 33480 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | $0 | $34 | 1.14% |
| DORIS M KERCHNER3 | 1875 KERRY CREEK DRIVE MARIETTA, GA 30066 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | $0 | $23 | 0.77% |
| JAMES H CLARK3 | 500 FAIRWAY COURT NEWMAN, GA 30265 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | $0 | $23 | 0.77% |
| ROSEANN REYNOLDS3 | 163 CEDAR ST BRANFORD, CT 06405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $2 | $4 | 0.13% |
| VANESSA N DEAN3 | 92 LIMEWOOD AVE BRANFORD, CT 06405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.07% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| JAEGER & FLYNN ASSOCIATES EIN 14-1747264 HRA & MFSA ADMINISTRATOR | Plan Administrator Service code 14 | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | $54K |
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 | 1,145 | 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) | 1,145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHNOW NEW YORK, INC. | 2,137 | $8.9M |
| Dental | DELTA DENTAL | 2,143 | $644K |
| Vision | EMPIRE BLUE CROSS | 900 | $84K |
| Life insurance | THE HARTFORD | 1,145 | $619K |
| Short-term disability(5 contracts, 3 carriers) | THE HARTFORD | 1,145 | $664K |
| Long-term disability | THE HARTFORD | 1,145 | $619K |
| Other(6 contracts, 5 carriers) | THE HARTFORD | 1,145 | $716K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,143 | — |
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."
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.