| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOC., INC. | 30 CORPORATE DR. CLIFTON PARK, NY 12065 | THE GUARDIAN GROUP LIFE INSURANCE COMPANY OF AMERICA | $3K | $3K | $6K | 8.17% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | THE GUARDIAN GROUP LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 5.04% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | THE GUARDIAN GROUP LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 8.78% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DR CLIFTON PARK, NY 12065 | THE GUARDIAN GROUP LIFE INSURANCE COMPANY OF AMERICA | $1K | $2K | $3K | 6.88% |
| HOWARD J. ELIAS, INC.3 Filed as: HOWARD J ELIAS, INC. | 355 LEXINGTON AVE 9TH FLOOR NEW YORK, NY 10017 | THE GUARDIAN GROUP LIFE INSURANCE COMPANY OF AMERICA | $5 | — | $5 | 0.01% |
| WAG NY INC3 | 355 LEXINGTON AVENUE NEW YORK, NY 10017 | THE GUARDIAN GROUP LIFE INSURANCE COMPANY OF AMERICA | $4 | — | $4 | 0.01% |
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 | 152 | 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) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | THE GUARDIAN GROUP LIFE INSURANCE COMPANY OF AMERICA | 152 | $119K |
| Short-term disability | THE GUARDIAN GROUP LIFE INSURANCE COMPANY OF AMERICA | 91 | $45K |
| Long-term disability | THE GUARDIAN GROUP LIFE INSURANCE COMPANY OF AMERICA | 152 | $74K |
| Other(2 contracts) | THE GUARDIAN GROUP LIFE INSURANCE COMPANY OF AMERICA | 152 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 152 | — |
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.