| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DR. CLIFTON PARK, NY 12065 | HCC LIFE INSURANCE COMPANY | $49K | $0 | $49K | 10.53% |
| MVP BENEFIT GROUP INCORPORATED3 Filed as: MVP BENEFIT GROUP INC. | 625 STATE STREET SCHENECTADY, NY 12305 | HCC LIFE INSURANCE COMPANY | $21K | $0 | $21K | 4.47% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOC., INC. | 30 CORPORATE DR. CLIFTON PARK, NY 12065 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $24K | $13K | $37K | 9.83% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOC., INC. | 30 CORPORATE DR. CLIFTON PARK, NY 12065 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | $5K | $17K | 18.94% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOC., INC. | 30 CORPORATE DR. CLIFTON PARK, NY 12065 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.90% |
| LORRAINE RHODES3 | 1465 ROUTE 29 GALWAY, NY 12074 | THE PAUL REVERE LIFE INSURANCE COMPANY | $24 | $4 | $28 | 0.10% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOC. INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | TRANSAMERICA FINANCIAL LIFE INSURANCE CO | $8K | $0 | $8K | 45.60% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DR. CLIFTON PARK, NY 12065 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $100 | $0 | $100 | 9.03% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOC. INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | TRANSAMERICA LIFE INSURANCE COMPANY | $493 | $0 | $493 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MVP SELECT CARE EIN 14-1640868 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | STATE ST. SCHENECTADY, NY 12305 | $199K |
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 | 535 | 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) | 535 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 535 | $375K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 535 | $375K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 535 | $375K |
| Short-term disability(5 contracts, 5 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 381 | $136K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 381 | $91K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 403 | $462K |
| Other(5 contracts, 5 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 535 | $420K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 535 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.