| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 42 SOUTH STREET GLENS FALLS, NY 12801 | BLUESHIELD OF NORTHEASTERN NEW YORK | $91K | — | $91K | 1.25% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | BLUESHIELD OF NORTHEASTERN NEW YORK | $17K | — | $17K | 0.23% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 42 SOUTH STREET GLENS FALLS, NY 12801 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $5K | — | $5K | 1.72% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING EMP BNFTS | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $171 | — | $171 | 0.06% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING EMP BNFTS | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $328 | — | $328 | 0.16% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 42 SOUTH STREET GLENS FALLS, NY 12801 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $6K | — | $6K | 2.77% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING EMP BNFTS | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $80 | — | $80 | 0.04% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 42 SOUTH STREET GLENS FALLS, NY 12801 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $4K | — | $4K | 2.33% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING EMP BNFTS | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $120 | — | $120 | 0.06% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $20K | — | $20K | 13.91% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING EMP BNFTS | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | — | $2K | 1.10% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | GUARDIAN GROUP LIFE INSURANCE COMPANY OF AMERICA | $6K | $5K | $11K | 16.33% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | GUARDIAN GROUP LIFE INSURANCE COMPANY OF AMERICA | $530 | — | $530 | 0.80% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | EMPIRE HEALTHCHOICE ASSURANCE, INC | $2K | $2K | $4K | 8.31% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | DELTA DENTAL OF NEW YORK | $6K | — | $6K | 14.24% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | DELTA DENTAL OF NEW YORK | $1K | — | $1K | 2.79% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 42 SOUTH STREET GLENS FALLS, NY 12801 | METLIFE LEGAL PLANS | $3K | — | $3K | 13.83% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | METLIFE LEGAL PLANS | $0 | $19 | $19 | 0.09% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 42 SOUTH STREET GLENS FALLS, NY 12801 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | — | $2K | 12.80% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING EMP BNFTS | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $212 | — | $212 | 1.11% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | EMPLOYEE SERVICES LLC | $849 | — | $849 | 5.00% |
| KURT W JAEGER3 | 42 SOUTH STREET GLENS FALLS, NY 12801 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $94 | — | $94 | 3.73% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING EMP BNFTS | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $21 | — | $21 | 0.83% |
| 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 | $64K |
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 | 715 | 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) | 715 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUESHIELD OF NORTHEASTERN NEW YORK | 530 | $7.3M |
| Dental | DELTA DENTAL OF NEW YORK | 561 | $40K |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC | 524 | $52K |
| Life insurance(2 contracts) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 695 | $206K |
| Short-term disability(3 contracts) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 689 | $503K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 686 | $200K |
| Prescription drug | BLUESHIELD OF NORTHEASTERN NEW YORK | 530 | $7.3M |
| Stop-loss / reinsurancereinsurance | BLUESHIELD OF NORTHEASTERN NEW YORK | 530 | $7.3M |
| Other(8 contracts, 4 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 715 | $665K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 715 | — |
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.