| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES INC | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | MVP HEALTHCARE | $58K | — | $58K | 2.46% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY INC | 800 PARKER HILL DRIVE STE 100 ROCHESTER, NY 14625 | MVP HEALTHCARE | $24K | — | $24K | 1.02% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES INC | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $8K | $15K | 12.36% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY INC | 800 PARKER HILL DRIVE STE 100 ROCHESTER, NY 14625 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 3.25% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES INC | 42 SOUTH STREET GLENS FALLS, NY 12801 | EYEMED VISION CARE | $2K | — | $2K | 6.02% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY INC | 800 PARKER HILL DRIVE STE 100 ROCHESTER, NY 14625 | EYEMED VISION CARE | $1K | — | $1K | 4.84% |
| JAEGAR & FLYNN ASSOCIATES INC3 | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | EMPLOYEE SERVICES INC. (ESI) | $341 | — | $341 | 5.00% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES INC | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $26 | — | $26 | 3.96% |
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 | 235 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 235 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MVP HEALTHCARE | 376 | $2.4M |
| Vision | EYEMED VISION CARE | 336 | $26K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 235 | $124K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 235 | $124K |
| Prescription drug | MVP HEALTHCARE | 376 | $2.4M |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 264 | $132K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 376 | — |
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.