| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC | 30 CORPORATE DR. CLIFTON PARK, NY 12065 | BLUE SHIELD OF NORTHEASTERN NEW YORK | $85K | — | $85K | 2.96% |
| RICHARD W BREWER JR3 | 22 US OVAL PLATTSBURGH, NY 12065 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | — | $2K | 3.68% |
| LORRAINE RHODES3 | 1465 ROUTE 29 GALWAY, NY 12074 | THE PAUL REVERE LIFE INSURANCE COMPANY | $617 | $3 | $620 | 1.45% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GEORGE HILLENBRAND | 347 WEAST RD SCHENECTADY, NY 12306 | THE PAUL REVERE LIFE INSURANCE COMPANY | $355 | — | $355 | 0.83% |
| AIKEN ENTERPRISES LLC3 | 341 GILLIGAN RD HUDSON, NY 12534 | THE PAUL REVERE LIFE INSURANCE COMPANY | $244 | — | $244 | 0.57% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES INC | 30 CORPORATE DR CLIFTON PARK, NY 12065 | THE PAUL REVERE LIFE INSURANCE COMPANY | $166 | — | $166 | 0.39% |
| DAVID PALMER3 | 60 DYER SWITCH RD SARATOGA SPRINGS, NY 12866 | THE PAUL REVERE LIFE INSURANCE COMPANY | $158 | — | $158 | 0.37% |
| CAPITAL LINK ASSOCIATES INC3 | 125 WOLF RD ALBANY, NY 12205 | THE PAUL REVERE LIFE INSURANCE COMPANY | $73 | — | $73 | 0.17% |
| RITTER AND ASSOCIATES LLC3 | PO BOX 203 CLIFTON PARK, NY 12065 | THE PAUL REVERE LIFE INSURANCE COMPANY | $52 | — | $52 | 0.12% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES | 30 CORPORATE DR CLIFTON PARK, NY 12065 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $404 | — | $404 | 4.97% |
| PENELOPE DEAN KENNY3 | 3555 S OCEAN BLVD APT 215 PALM BEACH, FL 33480 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $113 | $21 | $134 | 1.65% |
| NIKKI PECORINO3 | 1650 HANOVER DR RENO, NV 89523 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $131 | $0 | $131 | 1.61% |
| LORRAINE RHODES3 | 1465 ROUTE 29 GALWAY, NY 12074 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $69 | $0 | $69 | 0.85% |
| LYNN M VENDITTI3 | 6 DUTCH HILL TERRACE VOORHEESVILLE, NY 12186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $48 | $0 | $48 | 0.59% |
| TIMOTHY J REED3 | 21 AZALEA DR LUMBERTON, NJ 08048 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.22% |
| ROSEANN REYNOLDS3 | 163 CEDAR ST BRANFORD, CT 06405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $9 | $18 | 0.22% |
| RITTER AND ASSOCIATES LLC3 | PO BOX 203 CLIFTON PARK, NY 12065 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.16% |
| VENESSA N DEAN3 | 92 LIMEWOOD AVE BRANFORD, CT 06405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $1 | $10 | 0.12% |
| HOWARD HOROWITZ3 | 2610 ALCOTT ST CARMEL, IN 46032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.05% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| JAEGER & FLYNN ASSOCIATES EIN 14-1747264 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 30 CORPORATE DR CLIFTON PARK, NY 12065 | $16K |
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 | 300 | 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) | 300 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE SHIELD OF NORTHEASTERN NEW YORK | 937 | $2.9M |
| Dental | BLUE SHIELD OF NORTHEASTERN NEW YORK | 937 | $2.9M |
| Life insurance(2 contracts, 2 carriers) | THE PAUL REVERE LIFE INSURANCE COMPANY | 78 | $51K |
| Short-term disability(2 contracts, 2 carriers) | THE PAUL REVERE LIFE INSURANCE COMPANY | 78 | $51K |
| Prescription drug | BLUE SHIELD OF NORTHEASTERN NEW YORK | 937 | $2.9M |
| Other(2 contracts, 2 carriers) | THE PAUL REVERE LIFE INSURANCE COMPANY | 78 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 937 | — |
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.
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.