| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAEGER & FLYNN3 Filed as: JAEGER AND FLYNN | 42 SOUTH STREET GLEN FALLS, NY 12801 | HEALTHNOW NEW YORK INC. DBA BLUE SHIELD OF NORTHEASTERN NEW YORK | $21K | — | $21K | 4.23% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOC INC | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | GUARDIAN | $4K | $3K | $6K | 14.85% |
| HOWARD J. ELIAS, INC.3 | 355 LEXINGTON AVE 9TH FLOOR NEW YORK, NY 10017 | GUARDIAN | $44 | — | $44 | 0.10% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | SECURITY MUTUAL LIFE INSURANCE COMPANY OF NEW YORK | $4K | — | $4K | 11.50% |
| ENROLLEASE3 Filed as: KAFL, INC. | 85 ALLEN ST., STE. 300 ROCHESTER, NY 14608 | SECURITY MUTUAL LIFE INSURANCE COMPANY OF NEW YORK | $915 | — | $915 | 2.62% |
| RICHARD SCHULTZ3 | 58 FORD STREET BALLSTON SPA, NY 12020 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 15.02% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATION INC | 30 CORPORATE DR CLIFTON PARK, NY 120658603 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $16 | $16 | 0.09% |
| SCHULTZ, RICHARD M.3 | 58 FORD STREET BALLSTON SPA, NY 12020 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOC INC | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $2K | — | $2K | 53.11% |
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 | 98 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 84 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHNOW NEW YORK INC. DBA BLUE SHIELD OF NORTHEASTERN NEW YORK | 122 | $489K |
| Dental | GUARDIAN | 66 | $43K |
| Vision | GUARDIAN | 66 | $43K |
| Life insurance(2 contracts, 2 carriers) | SECURITY MUTUAL LIFE INSURANCE COMPANY OF NEW YORK | 189 | $52K |
| Short-term disability(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 145 | $15K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 134 | $17K |
| Prescription drug | HEALTHNOW NEW YORK INC. DBA BLUE SHIELD OF NORTHEASTERN NEW YORK | 122 | $489K |
| Other(4 contracts, 4 carriers) | GUARDIAN | 189 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 189 | — |
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.