| 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 LIFE INSURANCE COMPANY OF AMERICA | $24K | $13K | $37K | 9.34% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DR. CLIFTON PARK, NY 12065 | HCC LIFE INSURANCE COMPANY | $35K | $0 | $35K | 9.07% |
| MVP BENEFIT GROUP INCORPORATED3 Filed as: MVP BENEFIT GROUP INC. | 625 STATE STREET SCHENECTADY, NY 12305 | HCC LIFE INSURANCE COMPANY | $23K | $0 | $23K | 5.93% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOC., INC. | 30 CORPORATE DR. CLIFTON PARK, NY 12065 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | $0 | $11K | 13.00% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOC., INC. | 30 CORPORATE DR. CLIFTON PARK, NY 12065 | THE PAUL REVERE LIFE INSURANCE COMPANY | $7K | $0 | $7K | 14.63% |
| LORRAINE RHODES3 | 1465 ROUTE 29 GALWAY, NY 12074 | THE PAUL REVERE LIFE INSURANCE COMPANY | $104 | $56 | $160 | 0.35% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DR. CLIFTON PARK, NY 12065 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $181 | $0 | $181 | 9.84% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MVP SELECT CARE EIN 14-1640868 PLAN ADMINISTRATOR | Plan Administrator Service code 14 | STATE ST. SCHENECTADY, NY 12305 | $198K |
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 | 581 | 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) | 581 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 511 | $396K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 511 | $396K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 511 | $396K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 348 | $85K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 348 | $85K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 402 | $383K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 511 | $444K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 511 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.