| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC. | 99 TROY ROAD EAST GREENBUSH, NY 12061 | MVP HEALTH CARE | $55K | — | $55K | 2.64% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | MVP HEALTH CARE | $15K | — | $15K | 0.71% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC | 99 TROY RD EAST GREENBUSH, NY 12061 | DELTA DENTAL OF NEW YORK, INC | $11K | — | $11K | 6.71% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC | 30 CORPORATE DR CLIFTON PARK, NY 12065 | DELTA DENTAL OF NEW YORK, INC | $2K | — | $2K | 1.27% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK, INC | 300 AIRBORNE PARKWAY, STE 208 BUFFALO, NY 14225 | FIRST UNUM LIFE INSURANCE COMPANY | $4K | $728 | $4K | 5.97% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | FIRST UNUM LIFE INSURANCE COMPANY | $197 | $0 | $197 | 0.28% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK, INC | 300 AIRBORNE PARKWAY, STE 208 BUFFALO, NY 14225 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | $482 | $4K | 8.40% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.14% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC | 99 TROY RD. EAST GREENBUSH, NY 12061 | EYEMED VISION CARE | $1K | — | $1K | 7.36% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC | 30 CORPORATE DR CLIFTON PARK, NY 12065 | EYEMED VISION CARE | $299 | — | $299 | 1.73% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK, INC | 300 AIRBORNE PARKWAY, STE 208 BUFFALO, NY 14225 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $128 | $2K | 13.25% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | FIRST UNUM LIFE INSURANCE COMPANY | $522 | $0 | $522 | 4.14% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC | 99 TROY ROAD EAST GREENBUSH, NY 12061 | DELTA DENTAL OF NEW YORK, INC | $287 | — | $287 | 4.26% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES | 30 CORPORATE DR. CLIFTON PARK, NY 12065 | DELTA DENTAL OF NEW YORK, INC | $73 | — | $73 | 1.08% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK, INC. | 300 AIRBORNE PARKWAY STE 208 BUFFALO, NY 14225 | THE PAUL REVERE LIFE INSURANCE COMPANY | $153 | $0 | $153 | 7.75% |
| KARL L FONDA3 | 311 BROOKSBORO DR WEBSTER, NY 14580 | THE PAUL REVERE LIFE INSURANCE COMPANY | $127 | $0 | $127 | 6.44% |
| PERRY L KANFER3 | 4509 RUSH CREEK DRIVE JAMESVILLE, NY 13078 | THE PAUL REVERE LIFE INSURANCE COMPANY | $17 | $0 | $17 | 0.86% |
| ANTHONY R MANGIONE3 | 29 SISSON DRIVE ROCHESTER, NY 14623 | THE PAUL REVERE LIFE INSURANCE COMPANY | $12 | $2 | $14 | 0.71% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK, INC | 300 AIRBORNE PARKWAY, STE 208 BUFFALO, NY 14225 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $16 | $0 | $16 | 2.26% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EB EMPLOYEE SOLUTIONS, LLC EIN 13-3954929 WELLNESS ADMINISTRATOR | Plan Administrator Service code 14 | 245 MAIN STREET, SUITE 605 WHITE PLAINS, NY 10601 | $27K |
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 | 247 | 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) | 247 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MVP HEALTH CARE | 457 | $2.1M |
| Dental(2 contracts) | DELTA DENTAL OF NEW YORK, INC | 364 | $165K |
| Vision | EYEMED VISION CARE | 319 | $17K |
| Life insurance(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 247 | $84K |
| Long-term disability(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 230 | $48K |
| Prescription drug | MVP HEALTH CARE | 457 | $2.1M |
| Other(3 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 247 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 457 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.