| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | GUARDIAN | $6K | $8K | $14K | 7.78% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES INC | 30 CORPORATE DR CLIFTON PARK, NY 12065 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $3K | $0 | $3K | 5.90% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES INC | 30 CORPORATE DR CLIFTON PARK, NY 12065 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $7K | $0 | $7K | 15.00% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES INC | 30 CORPORATE DR CLIFTON PARK, NY 12065 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $3K | $0 | $3K | 7.63% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES INC | 30 CORPORATE DR CLIFTON PARK, NY 12065 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $4K | $0 | $4K | 11.39% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | HARTFORD LIFE INSURANCE COMPANY | $618 | $2K | $2K | 24.57% |
| 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 | $176K |
| CAPITAL DISTRICT PHYSICIANS HEALTH EIN 14-1641028 HEALTH PLAN ADMIN. | Plan Administrator Service code 14 | 500 PATROON CREEK BLVD ALBANY, NY 12206 | $150K |
| 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 | $67K |
| JAEGER & FLYNN ASSOCIATES EIN 14-1747264 INSURANCE CONSULTANT | Insurance agents and brokers Service code 22 | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | $42K |
| HUMAN RESOURCE ASSOCIATES EIN 14-1666062 EAP ADMINISTRATOR | Contract Administrator Service code 13 | 3 ATRIUM DRIVE, SUITE 202 ALBANY, NY 12205 | $12K |
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 |
|---|---|---|---|
| Dental | GUARDIAN | 291 | $179K |
| Vision | GUARDIAN | 291 | $179K |
| Life insurance(3 contracts, 2 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 380 | $107K |
| Short-term disability(2 contracts, 2 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 380 | $43K |
| Long-term disability(2 contracts, 2 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 380 | $41K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | 275 | $147K |
| Other(2 contracts, 2 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 380 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 380 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.