| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOC | 42 SOUTH STREET GLENS FALLS, NY 12801 | MVP HEALTH CARE | $18K | — | $18K | 4.24% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOC | 30 CORPORATE DR CLIFTON PARK, NY 12065 | CAPITAL DISTRICT PHYSICIANS HEALTH PLAN | $5K | — | $5K | 4.19% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOC | 42 SOUTH STREET GLENS FALLS, NY 12801 | BLUESHIELD OF NORTHEASTERN NEW YORK | $4K | — | $4K | 3.92% |
| ENROLLEASE Filed as: JAEGER & FLYNN ASSOC | 30 CORPORATE DR CLIFTON PARK, NY 12065 | CAPITAL DISTRICT PHYSICIANS HEALTH PLAN | $3K | — | $3K | 4.53% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOC | 42 SOUTH STREET GLENS FALLS, NY 12801 | HARTFORD LIFE AND ACCIDENT | $6K | — | $6K | 29.47% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOC | 30 CORPORATE DR CLIFTON PARK, NY 12065 | DELTA DENTAL OF NEW YORK | $870 | — | $870 | 5.00% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOC, INC. | 30 CORPORATE DR CLIFTON PARK, NY 12065 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $64 | — | $64 | 4.31% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TEAL, BECKER & CHIARAMONTE CPAS EIN 14-1624930 NONE | Accounting (including auditing) Service code 10 | — | $15K |
| MERRILL LYNCH PIERCE FENNER & SMITH EIN 13-5674085 NONE | Investment advisory (plan) Service code 27 | — | $13K |
| WESTERN ASSET MULTI CORE PLUS EIN 13-3985152 NONE | Investment management Service code 28 | — | $5K |
| ROBERT S. CATAPANO-FRIEDMAN EIN 14-1765503 NONE | Legal Service code 29 | — | $5K |
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 | 88 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 62 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | MVP HEALTH CARE | 81 | $715K |
| Dental(2 contracts, 2 carriers) | BLUESHIELD OF NORTHEASTERN NEW YORK | 37 | $121K |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 26 | $1K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 165 | $28K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 87 | $19K |
| Prescription drug(4 contracts, 3 carriers) | MVP HEALTH CARE | 81 | $715K |
| Other(2 contracts, 2 carriers) | BLUESHIELD OF NORTHEASTERN NEW YORK | 89 | $105K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 165 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.