| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NC 12065 | EMPIRE HEALTHCHOICE ASSURANCE, INC | $46K | — | $46K | 2.01% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | GUARDIAN GROUP LIFE INSURANCE COMPANY OF AMERICA | $12K | $1K | $14K | 9.09% |
| USI INSURANCE SERVICES LLC3 | 3475 PIEDMONT ROAD NE SUITE 800 ATLANTA, GA 30305 | AFLAC | $599 | — | $599 | 3.99% |
| JOSEPH B NEYLAND3 | 3985 MANOR HOUSE DRIVE MARIETTA, GA 30062 | AFLAC | $222 | — | $222 | 1.48% |
| JENNIFER F HENDRICKS-FOGG3 | 413 GLEN AVENUE SCOTIA, NC 12302 | AFLAC | $191 | — | $191 | 1.27% |
| WILLIS TOWERS WATSON US LLC3 Filed as: PAUL B WILLIS | 2541 HYDE MANOR DR NW ATLANTA, GA 30327 | AFLAC | $101 | — | $101 | 0.67% |
| ANGELA MONTENEGRO3 | 14 WALL STREET SUITE 8C NEW YORK, NY 10005 | AFLAC | $94 | — | $94 | 0.63% |
| THOMAS DOWNS3 | 122 VIEWPOINT TERRACE PEEKSKILL, NY 10566 | AFLAC | $73 | — | $73 | 0.49% |
| JOSHUA K HOPPE3 | 85076 MAJESTIC WALK CIRCLE FERNANDINA BEACH, FL 32034 | AFLAC | $73 | — | $73 | 0.49% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | AFLAC | $61 | — | $61 | 0.41% |
| MARIA N SMIRENSKY3 | 684 COUNTY ROUTE 25 STUYVESANT, NY 12173 | AFLAC | $48 | — | $48 | 0.32% |
| MELISSA ANN STEWART3 | 36 WINCOMA LANE QUEENSBURY, NY 12804 | AFLAC | $42 | — | $42 | 0.28% |
| ROGER JONES II3 Filed as: ROGER JONES | 2204 COMMERCE STREET ALPHARETTA, GA 30009 | AFLAC | $34 | — | $34 | 0.23% |
| DANIELLE M BRANCATO HOUSE3 | 4 CRESTMONT DRIVE CLIFTON PARK, NY 12065 | AFLAC | $11 | — | $11 | 0.07% |
| KRISTA ANNE ROTONDI3 | 5 PINE WEST PLZ STE 503 ALBANY, NY 12205 | AFLAC | $7 | — | $7 | 0.05% |
| SCOTT A SMITH3 | 5300 OAKBROOK PARKWAY SUITE 300 NORCROSS, GA 30093 | AFLAC | $5 | — | $5 | 0.03% |
| STEVEN VORDERLANDWEHR3 | 1599 AMHEARST MILL DRIVE LAWRENCEVILLE, GA 30043 | AFLAC | $4 | — | $4 | 0.03% |
| DUSTIN ROBERT JOHNSON3 | 745 W BROMPTON AVENUE APT 1 CHICAGO, IL 60657 | AFLAC | $4 | — | $4 | 0.03% |
| JOSEPH B NEYLAND3 | 3985 MANOR HOUSE DRIVE MARIETTA, GU 30062 | AFLAC | $24 | — | $24 | 4.85% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPIRE HEALTHCHOICE ASSURANCE, INC. EIN 23-7391136 CLAIMS ADMIN | Float revenue; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Claims processing Service code 12 | 9 PINE STREET 14TH FLOOR NEW YORK, NY 10005 | $7K |
| JAEGER & FLYNN ASSOCIATES, INC. | Non-monetary compensation; Other commissions; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $2K |
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 | 140 | 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) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC | 280 | $2.3M |
| Dental | EMPIRE HEALTHCHOICE ASSURANCE, INC | 280 | $2.3M |
| Vision | GUARDIAN GROUP LIFE INSURANCE COMPANY OF AMERICA | 140 | $149K |
| Life insurance | GUARDIAN GROUP LIFE INSURANCE COMPANY OF AMERICA | 140 | $149K |
| Short-term disability | GUARDIAN GROUP LIFE INSURANCE COMPANY OF AMERICA | 140 | $149K |
| Long-term disability | GUARDIAN GROUP LIFE INSURANCE COMPANY OF AMERICA | 140 | $149K |
| Other(3 contracts, 2 carriers) | GUARDIAN GROUP LIFE INSURANCE COMPANY OF AMERICA | 140 | $165K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 280 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.