| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MVP BENEFIT GROUP INCORPORATED3 Filed as: MVP BENEFIT GROUP INC. | 625 STATE ST. SCHENECTADY, NY 12305 | HM LIFE INSURANCE COMPANY OF NEW YORK | $79K | — | $79K | 15.03% |
| MVP BENEFIT GROUP INCORPORATED3 Filed as: MVP BENEFIT GROUP INC. | 625 STATE ST. SCHENECTADY, NY 12305 | HM LIFE INSURANCE COMPANY OF NEW YORK | $0 | — | $0 | 0.00% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOC., INC. | 30 CORPORATE DR. CLIFTON PARK, NY 12065 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $28K | $13K | $41K | 9.35% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOC., INC. | 30 CORPRORATE DR. CLIFTON PARK, NY 12065 | MVP SELECT CARE | $148K | — | $148K | 70.68% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOC., INC. | 30 CORPORATE DR. CLIFTON PARK, NY 12065 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | $6K | $20K | 18.93% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOC., INC. | 30 CORPORATE DR. CLIFTON PARK, NY 12065 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $9K | — | $9K | 11.30% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DR. CLIFTON PARK, NY 12065 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MVP SELECT CARE EIN 14-1640868 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | STATE ST. SCHENECTADY, NY 12305 | $209K |
| FAMILY & CHILDREN'S SERVICES OF THE EIN 14-1338477 EAP PROVIDER | Contract Administrator Service code 13 | 650 WARREN ST ALBANY, NY 12208 | $14K |
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 | 568 | 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) | 568 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MVP SELECT CARE | 439 | $210K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 568 | $436K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 568 | $436K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 568 | $436K |
| Short-term disability(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,039 | $185K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 394 | $108K |
| Prescription drug | MVP SELECT CARE | 439 | $210K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY OF NEW YORK | 439 | $523K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,039 | $513K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,039 | — |
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.