| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAEGER & FLYNN3 | 42 SOUTH STREET GLEN FALLS, NY 12801 | BLUESHIELD OF NORTHEASTERN NEW YORK | $26K | — | $26K | 1.58% |
| ACRISURE LLC3 Filed as: ACRISURE DBA THE CHADLER GROUP | 100 PASSAIC AVE SUITE 120 FAIRFIELD, NJ 07004 | BLUESHIELD OF NORTHEASTERN NEW YORK | $22K | — | $22K | 1.36% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOC INC | 30 COPRATE DRIVE CLIFTON PARK, NY 12065 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | $11K | $24K | 8.24% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA CHADLER SOLUTIONS | 100 PASSAIC AVE SUITE 120 FAIRFIELD, NJ 07004 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 4.01% |
No Schedule C service providers reported on this filing.
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 | 332 | 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) | 332 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUESHIELD OF NORTHEASTERN NEW YORK | 332 | $1.6M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 325 | $288K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 325 | $288K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 325 | $288K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 325 | $288K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 325 | $288K |
| Prescription drug | BLUESHIELD OF NORTHEASTERN NEW YORK | 332 | $1.6M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 325 | $288K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 332 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.