| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DR CLIFTON PARK, NY 12065 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $767 | $4K | 10.55% |
| WAG NY INC3 | 250 CROSSWAYS PK DR WOODBURY, NY 11797 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $102 | — | $102 | 0.29% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DR CLIFTON PARK, NY 12065 | MUTUAL OF OMAHA INSURANCE COMPANY | $2K | $89 | $2K | 15.62% |
| THOMAS F FLYNN3 | 30 CORPORATE DR CLIFTON PARK, NY 12065 | HARTFORD LIFE AND ACCIDENT | $1K | — | $1K | 11.61% |
| WALTER SPARKS3 | 129B EDIE ROAD SARATOGA SPRINGS, NY 12866 | AFLAC | $51 | — | $51 | 2.77% |
| KEVIN MURPHY3 Filed as: KEVIN RHODES | 4A KENSINGTON COURT CLIFTON PARK, NY 12065 | AFLAC | $39 | — | $39 | 2.12% |
| MARGARET A HICKS3 | PO BOX 72 STRATFORD, NY 13470 | AFLAC | $33 | — | $33 | 1.79% |
| KELLY A IRVINE3 | 15801 WHITE ORCHID LANE FORT MYERS, FL 33908 | AFLAC | $28 | — | $28 | 1.52% |
| PAMELA H ROBERTS3 | 3813 HUNTERS RUN LANE MATTHEWS, NC 28105 | AFLAC | $21 | — | $21 | 1.14% |
| LORRAINE RHODES3 | 4A KENSINGTON COURT CLIFTON PARK, NY 12065 | AFLAC | $10 | — | $10 | 0.54% |
| LISA J BRENNAN-JONES3 | 1014 CATHERINE WOODS SCHENECTADY, NY 12309 | AFLAC | $8 | — | $8 | 0.43% |
| SUSAN C BRIMHALL3 | PO BOX 336 SMITHS STANTION, AL 36877 | AFLAC | $4 | — | $4 | 0.22% |
| KENNETH J HANNAN3 | 5 FRIAR TUCK COURT CLIFTON PARK, NC 12065 | AFLAC | $2 | — | $2 | 0.11% |
| RUSSELL T BARRETT3 | 27 JULIANS WAY SARATOGA SPRINGS, NY 12866 | AFLAC | $2 | — | $2 | 0.11% |
| DARRYL J YOUNG3 | 3820 GOLD CITY ROAD FRANKLIN, KY 42134 | AFLAC | $2 | — | $2 | 0.11% |
| JEFF DALABA3 | 8500 GILLY FLOWER COURT BALDWINSVILLE, NY 13027 | AFLAC | $1 | — | $1 | 0.05% |
| CHERYL A ROTONDI3 | 352 USHERS ROAD BALLSTON LAKE, NY 12019 | AFLAC | $1 | — | $1 | 0.05% |
| BRAD JONES AND ASSOCIATES INC3 Filed as: BRAD JONES AND ASSOCIATES, INC. | 19 BRITISH AMERICAN BLVD LATHAM, NY 12110 | AFLAC | $0 | — | $0 | 0.00% |
| LAURIE L SMITH3 | 577 TRUESDALE HILL RD LAKE GEORGE, NY 12845 | AFLAC | $0 | — | $0 | 0.00% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DR CLIFTON PARK, NY 12065 | BLUESHIELD OF NORTHEASTERN NEW YORK | $21K | — | $21K | — |
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 | 130 | 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) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUESHIELD OF NORTHEASTERN NEW YORK | 84 | $0 |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 75 | $35K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 75 | $35K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 124 | $12K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 50 | $14K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 124 | $12K |
| Prescription drug | BLUESHIELD OF NORTHEASTERN NEW YORK | 84 | $0 |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 124 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 124 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.