| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOC., INC. | 30 CORPORATE DR. CLIFTON PARK, NY 12065 | CDPHP | $90K | — | $90K | 3.33% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | DELTA DENTAL OF NEW YORK | $8K | — | $8K | 5.00% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $3K | $10K | 17.50% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DR GANSEVOORT, NY 12065 | THE PAUL REVERE LIVE INSURANCE COMPANY | $2K | — | $2K | 19.81% |
| LORRAINE RHODES3 | 1465 ROUTE 29 GALWAY, NE 12074 | THE PAUL REVERE LIVE INSURANCE COMPANY | $53 | $28 | $81 | 0.68% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOC., INC. | 30 CORPORATE DR. CLIFTON PARK, NY 12065 | MVP HEALTH CARE | $39 | $0 | $39 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PROACT PHARMACY SERVICES, INC. EIN 16-1571381 PHARMACY BENEFIT MANAGER | Plan Administrator Service code 14 | 1230 US HWY 11 GOUVERNEUR, NY 13642 | $464K |
| JAEGER & FLYNN ASSOC., INC. EIN 14-1747264 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 30 CORPORATE DR. CLIFTON PARK, NY 12065 | $19K |
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 | 380 | 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) | 380 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CDPHP | 556 | $2.7M |
| Dental | DELTA DENTAL OF NEW YORK | 235 | $158K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 380 | $58K |
| Short-term disability | THE PAUL REVERE LIVE INSURANCE COMPANY | 25 | $12K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 380 | $58K |
| Prescription drug(2 contracts, 2 carriers) | CDPHP | 556 | $2.7M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 380 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 556 | — |
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.