| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLD ROAD 5TH FLOOR ROLLING MEADOWS, IL 60008 | MVP HEALTHCARE | $64K | — | $64K | 2.21% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | MVP HEALTHCARE | $27K | — | $27K | 0.92% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2850 GOLD ROAD 5TH FLOOR ROLLING MEADOWS, IL 60008 | GUARDIAN LIFE INS CO OF AMERICA | $10K | $5K | $15K | 6.71% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | GUARDIAN LIFE INS CO OF AMERICA | $2K | — | $2K | 0.92% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF ROAD 5TH FLOOR ROLLING MEADOWS, IL 60008 | THE GUARDIAN LIFE INS CO. | $4K | $491 | $4K | 10.87% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | THE GUARDIAN LIFE INS CO. | $3K | — | $3K | 9.17% |
| SUNMARK FEDERAL CREDIT UNION3 | 11187 TROY SCHENECTADY ROAD LATHAM, NY 12110 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | — | $3K | 11.75% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | — | $2K | 8.25% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | FIRST UNUM LIFE INSURANCE COMPANY | $729 | — | $729 | 11.37% |
| SUNMARK FEDERAL CREDIT UNION3 | 1187 TROY SCHENECTADY ROAD LATHAM, NY 12110 | FIRST UNUM LIFE INSURANCE COMPANY | $553 | — | $553 | 8.63% |
No Schedule C service providers reported on this filing.
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 | 255 | 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) | 255 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MVP HEALTHCARE | 252 | $2.9M |
| Dental | THE GUARDIAN LIFE INS CO. | 226 | $37K |
| Vision | THE GUARDIAN LIFE INS CO. | 226 | $37K |
| Life insurance | GUARDIAN LIFE INS CO OF AMERICA | 255 | $227K |
| Short-term disability | GUARDIAN LIFE INS CO OF AMERICA | 255 | $227K |
| Long-term disability | GUARDIAN LIFE INS CO OF AMERICA | 255 | $227K |
| Prescription drug | MVP HEALTHCARE | 252 | $2.9M |
| Other(3 contracts, 2 carriers) | GUARDIAN LIFE INS CO OF AMERICA | 255 | $256K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 255 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.