| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOC INC | 42 SOUTH ST GLENS FALLS, NY 12801 | MUTUAL OF OMAHA INSURANCE COMPANY | $6K | $5K | $11K | 3.23% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING | 110 MAIN ST POUGHKEEPSIE, NY 12601 | MUTUAL OF OMAHA INSURANCE COMPANY | $1K | — | $1K | 0.31% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOC INC | 42 SOUTH ST GLENS FALLS, NY 12801 | MUTUAL OF OMAHA INSURANCE COMPANY | $6K | $5K | $11K | 3.86% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING | 110 MAIN ST POUGHKEEPSIE, NY 12601 | MUTUAL OF OMAHA INSURANCE COMPANY | $1K | — | $1K | 0.42% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOC INC | 42 SOUTH ST GLENS FALLS, NY 12801 | COMPANION LIFE INSURANCE COMPANY | $3K | $2K | $5K | 6.07% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING | 110 MAIN ST POUGHKEEPSIE, NY 12601 | COMPANION LIFE INSURANCE COMPANY | $1K | — | $1K | 1.82% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOC INC | 42 SOUTH ST GLENS FALLS, NY 12801 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 11.98% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOC INC | 30 CORPORATE DR CLIFTON PARK, NY 12065 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $1K | $1K | $2K | 6.10% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING | 110 MAIN ST POUGHKEEPSIE, NY 12601 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $280 | — | $280 | 0.76% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOC INC | 42 SOUTH ST GLENS FALLS, NY 12801 | MUTUAL OF OMAHA INSURANCE COMPANY | $518 | $139 | $657 | 9.51% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING | 110 MAIN ST POUGHKEEPSIE, NY 12601 | MUTUAL OF OMAHA INSURANCE COMPANY | $173 | — | $173 | 2.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ZENITH AMERICAN SOLUTIONS EIN 52-1590516 NONE | Claims processing; Plan Administrator Service code 12 | — | $507K |
| ANTHEM INC EIN 35-2145715 | Claims processing; Insurance services Service code 12 | — | $486K |
| SEI INVESTMENTS, INC. EIN 23-1707341 NONE | Contract Administrator; Custodial (securities) Service code 13 | — | $433K |
| MARSHALL & STERLING EMPLOYEE BENEFI EIN 14-1769291 | Claims processing Service code 12 | — | $288K |
| CDPHP EIN 14-1641028 NONE | Insurance services; Claims processing Service code 12 | — | $80K |
| KEYBANK NATIONAL ASSOCIATION EIN 34-1974250 NONE | Custodial (securities); Shareholder servicing fees Service code 19 | — | $58K |
| TEAL, BECKER AND CHIARAMONTE, CPAS EIN 14-1624930 NONE | Accounting (including auditing) Service code 10 | — | $57K |
| POZEFSKY, BRAMLEY, & MURPHY EIN 14-1601487 NONE | Legal Service code 29 | — | $25K |
| BOLTON PARTNERS, INC. EIN 52-1231144 NONE | Actuarial Service code 11 | — | $23K |
| NOVAK FRANCELLA EIN 61-1436956 NONE | Accounting (including auditing) Service code 10 | — | $16K |
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 | 1,230 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 180 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 355 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,765 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 926 | $37K |
| Life insurance(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 1,680 | $134K |
| Short-term disability(2 contracts, 2 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 1,666 | $392K |
| Long-term disability(2 contracts, 2 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 1,666 | $325K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE CO. | 1,113 | $668K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,666 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,680 | — |
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."
No prospect flags tripped on this filing.