| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MVP BENEFIT GROUP INCORPORATED3 | 625 STATE STREET SCHENECTADY, NY 12305 | SUN LIFE AND HEALTH INSURANCE COMPANY | $136K | — | $136K | 15.00% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DR. CLIFTON PARK, NY 12065 | MVP HEALTHCARE | $5K | — | $5K | 3.22% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DR. CLIFTON PARK, NY 12065 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $5K | — | $5K | 8.47% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DR. CLIFTON PARK, NY 12065 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $3K | — | $3K | 5.37% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DR. CLIFTON PARK, NY 12065 | HM LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MVP HEALTHCARE EIN 14-1640868 MEDICAL PLAN ADMIN | Plan Administrator Service code 14 | 625 STATE STREET SCHENECTADY, NY 12305 | $188K |
| DELTA DENTAL OF NEW YORK EIN 11-1980218 DENTAL PLAN ADMIN | Plan Administrator Service code 14 | ONE DELTA DRIVE MECHANICSBURG, PA 17055 | $21K |
| JAEGER & FLYNN ASSOCIATES, INC. EIN 14-1747264 BROKER/CONSULT/125 ADMIN | Insurance agents and brokers; Plan Administrator Service code 14 | 30 CORPORATE DR. CLIFTON PARK, NY 12065 | $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 | 350 | 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) | 350 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MVP HEALTHCARE | 34 | $166K |
| Vision | HM LIFE INSURANCE COMPANY | 299 | $41K |
| Life insurance | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 350 | $56K |
| Long-term disability | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 263 | $59K |
| Prescription drug | MVP HEALTHCARE | 34 | $166K |
| Stop-loss / reinsurancereinsurance | SUN LIFE AND HEALTH INSURANCE COMPANY | 389 | $909K |
| Other(3 contracts, 3 carriers) | MVP HEALTHCARE | 554 | $236K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 554 | — |
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.