| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | HARTFORD LIFE INSURANCE COMPANY | $15K | $246 | $15K | 8.20% |
| FIRST NIAGARARISK MANAGEMENT, INC.3 | 1215 MANOR DRIVE SUITE 200 MECHANICSBURG, PA 17055 | HARTFORD LIFE INSURANCE COMPANY | $0 | $241 | $241 | 0.13% |
| FIRST NIAGARA RISK MANAGEMENT3 | 555 PATROON CREEK BLVD ALBANY, NY 12206 | HARTFORD LIFE INSURANCE COMPANY | -$17 | $0 | -$17 | -0.01% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | GUARDIAN | $6K | $4K | $10K | 5.87% |
| FIRST NIAGARA RISK MANAGEMENT3 Filed as: FIRST NIAGARA RISK MANAGEMENT, INC. | 726 EXCHANGE STREET SUITE 900 BUFFALO, NY 14210 | GUARDIAN | $88 | $0 | $88 | 0.05% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY CARE PHYSICIANS EIN 14-1660131 HEALTH PLAN ADMIN. | Plan Administrator Service code 14 | P.O. BOX 10025 ALBANY, NY 12201 | $181K |
| CAPITAL DISTRICT PHYSICIANS HEALTH EIN 14-1641028 HEALTH PLAN ADMIN. | Plan Administrator Service code 14 | 500 PATROON CREEK BLVD ALBANY, NY 12206 | $134K |
| PHYSICAL THERAPY ASSOC-SCHENECTADY EIN 11-4740258 HEALTH PLAN ADMIN. | Insurance agents and brokers Service code 22 | 17 EXECUTIVE PARK DR. CLIFTON PARK, NY 12065 | $70K |
| JAEGER & FLYNN ASSOCIATES EIN 14-1747264 INSURANCE CONSULTANT | Insurance agents and brokers Service code 22 | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | $45K |
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 | 364 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 368 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 249 | $165K |
| Vision | GUARDIAN | 249 | $165K |
| Life insurance | HARTFORD LIFE INSURANCE COMPANY | 364 | $188K |
| Short-term disability | HARTFORD LIFE INSURANCE COMPANY | 364 | $188K |
| Long-term disability | HARTFORD LIFE INSURANCE COMPANY | 364 | $188K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | 245 | $129K |
| Other | HARTFORD LIFE INSURANCE COMPANY | 364 | $188K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 364 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.