| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | HEALTHNOW NEW YORK, INC. | $28K | $0 | $28K | 4.30% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | THE PAUL REVERE LIFE INSURANCE COMPANY | $11K | $0 | $11K | 47.20% |
| LORRAINE RHODES3 | 1465 ROUTE 29 GALWAY, NY 12074 | THE PAUL REVERE LIFE INSURANCE COMPANY | $417 | $61 | $478 | 2.10% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOC INC | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $454 | $2K | 17.16% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | EMPIRE HEALTHCHOICE ASSURANCE, INC | $179 | $0 | $179 | 2.04% |
| CAPITAL LINK ASSOCIATES INC3 Filed as: CAPITAL LINK ASSOC, INC. | 125 WORK RD, STE 101 ALBANY, NY 12205 | ALLSTATE BENEFITS | $0 | $0 | $0 | — |
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 | 111 | 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) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHNOW NEW YORK, INC. | 127 | $643K |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC | 92 | $9K |
| Life insurance | ALLSTATE BENEFITS | 0 | $0 |
| Short-term disability(2 contracts, 2 carriers) | THE PAUL REVERE LIFE INSURANCE COMPANY | 117 | $32K |
| Prescription drug | HEALTHNOW NEW YORK, INC. | 127 | $643K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 127 | — |
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.
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.