| 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 | $111K | — | $111K | 15.00% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOC., INC. | 30 CORPORATE DR. CLIFTON PARK, NY 12065 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $35K | $14K | $49K | 9.22% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOC., INC. | 30 CORPRORATE DR. CLIFTON PARK, NY 12065 | MVP SELECT CARE | $61K | — | $61K | 28.13% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOC., INC. | 30 CORPORATE DR. CLIFTON PARK, NY 12065 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | $7K | $21K | 18.81% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MVP SELECT CARE EIN 14-1704347 PLAN ADMINISTRATOR | Plan Administrator Service code 14 | 625 STATE STREET SCHENECTADY, NY 12306 | $215K |
| CAPITAL COUNSELING EIN 14-1338477 EAP PROVIDER | Contract Administrator Service code 13 | 650 WARREN ST ALBANY, NY 12208 | $15K |
| CVS PHARMACY INC EIN 05-0340626 RX ADMINISTRATOR | Claims processing Service code 12 | ONE CVS DRIVE WOONSOCKET, RI 02895 | $6K |
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 | 600 | 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) | 600 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MVP SELECT CARE | 888 | $215K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 600 | $526K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 600 | $526K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 600 | $526K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 385 | $114K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 385 | $114K |
| Prescription drug | MVP SELECT CARE | 888 | $215K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY OF NEW YORK | 443 | $740K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 600 | $526K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 888 | — |
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.