| 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 | $21K | — | $21K | 4.50% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DR CLIFTON PARK, NY 12065 | CAPITAL DISTRICT PHYSICIANS HEALTH PLAN | $4K | — | $4K | 3.80% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOC | 42 SOUTH STREET GLENS FALLS, NY 12801 | BLUESHIELD OF NORTHEASTERN NEW YORK | $3K | — | $3K | 3.75% |
| ENROLLEASE Filed as: JAEGER & FLYNN ASSOC | 30 CORPORATE DR CLIFTON PARK, NY 12065 | CAPITAL DISTRICT PHYSICIANS HEALTH PLAN | $4K | — | $4K | 4.38% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOC | 42 SOUTH STREET GLENS FALLS, NY 12801 | HARTFORD LIFE AND ACCIDENT | $3K | — | $3K | 10.49% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOC | 30 CORPORATE DR CLIFTON PARK, NY 12065 | GUARDIAN | $2K | — | $2K | 7.67% |
| WAG NY INC0 | 250 CROSSWAYS PK DR WOODBURY, NY 11797 | GUARDIAN | $82 | — | $82 | 0.29% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOC | 42 SOUTH STREET GLENS FALLS, NY 12801 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 10.48% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOC | 42 SOUTH STREET GLENS FALLS, NY 12801 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 12.96% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOC | 42 SOUTH STREET GLENS FALLS, NY 12801 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 15.00% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOC, INC. | 30 CORPORATE DR CLIFTON PARK, NY 12065 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| JAEGER & FLYNN EIN 14-1747264 NONE | Claims processing; Insurance agents and brokers Service code 12 | — | $21K |
| ZENITH AMERICAN SOLUTIONS EIN 52-1590516 NONE | Plan Administrator Service code 14 | — | $16K |
| TEAL, BECKER & CHIARAMONTE CPAS EIN 14-1624930 NONE | Accounting (including auditing) Service code 10 | — | $16K |
| MERRILL LYNCH PIERCE FENNER & SMITH EIN 13-5674085 NONE | Investment advisory (plan) Service code 27 | — | $14K |
| WESTERN ASSET MULTI CORE PLUS EIN 13-3985152 NONE | Investment management Service code 28 | — | $7K |
| O'SULIVAN ASSOCIATES EIN 20-8199367 NONE | Actuarial Service code 11 | — | $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 | 96 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 57 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | MVP HEALTH CARE | 64 | $737K |
| Dental | GUARDIAN | 37 | $28K |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 26 | $745 |
| Life insurance(2 contracts) | HARTFORD LIFE AND ACCIDENT | 170 | $49K |
| Short-term disability(2 contracts) | HARTFORD LIFE AND ACCIDENT | 89 | $30K |
| Prescription drug(4 contracts, 3 carriers) | MVP HEALTH CARE | 64 | $737K |
| Other(3 contracts, 2 carriers) | BLUESHIELD OF NORTHEASTERN NEW YORK | 90 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 170 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.