| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT ADMINISTRATIVE SYSTEMS, LLC3 Filed as: BENEFIT ADMINISTRATIVE SYSTEMS LLC | 17475 JOVANNA DR, STE 1B HOMEWOOD, IL 60430 | SYMETRA LIFE INSURANCE COMPANY | $25K | — | $25K | 5.00% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES INC | 30 CORPORATE DRIVE CLIFTON PARK, NY 120658603 | HUMANA INSURANCE COMPANY OF NEW YORK | $11K | — | $11K | 2.85% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES INC | 30 CORPORATE DRIVE CLIFTON PARK, NY 120658603 | HUMANA INSURANCE COMPANY | $3K | — | $3K | 2.82% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES INC | 30 CORPORATE DRIVE CLIFTON PARK, NY 120658603 | HUMANA INSURANCE COMPANY OF NEW YORK | $1K | — | $1K | 2.47% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES INC | 42 SOUTH STREET GLENS FALLS, NY 12801 | BLUESHIELD OF NORTHEASTERN NY | $840 | — | $840 | 4.43% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES INC | 42 SOUTH STREET GLENS FALLS, NY 12801 | BLUESHIELD OF NORTHEASTERN NY | $495 | — | $495 | 4.92% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES INC | 30 CORPORATE DRIVE CLIFTON PARK, NY 120658603 | HUMANA INSURANCE COMPANY | $200 | — | $200 | 2.59% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENEFIT ADMINISTRATIVE SYSTEMS, LLC EIN 36-4197088 NONE | Claims processing; Contract Administrator Service code 12 | — | $104K |
| JAEGER & FLYNN ASSOCIATES EIN 14-1747264 NONE | Insurance agents and brokers Service code 22 | — | $77K |
| MORGAN STANLEY SMITH BARNEY LLC EIN 20-8764829 NONE | Direct payment from the plan; Other investment fees and expenses; Investment advisory (plan) Service code 27 | — | $49K |
| TEAL, BECKER & CHIARAMONTE CPAS EIN 14-1624930 NONE | Accounting (including auditing) Service code 10 | — | $40K |
| JAMES M. SHEPPARD, CPA EIN 14-1753226 NONE | Accounting (including auditing) Service code 10 | — | $30K |
| PILLAR RX CONSULTING EIN 83-0714696 NONE | Consulting (general) Service code 16 | — | $25K |
| DELTA DENTAL OF NEW YORK, INC. EIN 11-1980218 NONE | Claims processing Service code 12 | — | $16K |
| POZEFSKY, BRAMLEY & MURPHY EIN 14-1601487 NONE | Legal Service code 29 | — | $16K |
| BPAS ACTUARIAL AND PENSION SERVICE EIN 30-0192194 NONE | Actuarial Service code 11 | — | $15K |
| RIGHT RX, LLC D/B/A US-RX CARE EIN 81-4177551 NONE | Consulting (general) Service code 16 | — | $8K |
| EXPRESS SCRIPTS EIN 43-1420563 NONE | Contract Administrator; Claims processing Service code 12 | — | $8K |
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 | 253 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 142 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 395 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 245 | $78K |
| Short-term disability | THE UNION LABOR LIFE INSURANCE COMPANY | 245 | $78K |
| Prescription drug(6 contracts, 3 carriers) | HUMANA INSURANCE COMPANY OF NEW YORK | 95 | $563K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 286 | $494K |
| Other(7 contracts, 4 carriers) | HUMANA INSURANCE COMPANY OF NEW YORK | 245 | $640K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 286 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.