| 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 | $100K | $0 | $100K | 2.92% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOC INC | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 4.01% |
| RICHARD W BREWER JR3 | 22 US OVAL PLATTSBURGH, NY 12065 | THE PAUL REVERE LIFE INSURANCE COMPANY | $991 | $0 | $991 | 2.72% |
| LORRAINE RHODES3 | 1465 ROUTE 29 GALWAY, NY 12074 | THE PAUL REVERE LIFE INSURANCE COMPANY | $431 | $1 | $432 | 1.18% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GEORGE HILLENBRAND | 347 WEAST RD SCHENECTADY, NY 12306 | THE PAUL REVERE LIFE INSURANCE COMPANY | $251 | $0 | $251 | 0.69% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES INC | 30 CORPORATE DR CLIFTON PARK, NY 12065 | THE PAUL REVERE LIFE INSURANCE COMPANY | $229 | $0 | $229 | 0.63% |
| AIKEN ENTERPRISES LLC3 | 341 GILLIGAN RD HUDSON, NY 12534 | THE PAUL REVERE LIFE INSURANCE COMPANY | $167 | $0 | $167 | 0.46% |
| CAPITAL LINK ASSOCIATES INC3 | 125 WOLF ROAD ALBANY, NY 12205 | THE PAUL REVERE LIFE INSURANCE COMPANY | $43 | $0 | $43 | 0.12% |
| RITTER AND ASSOCIATES LLC3 | P.O. BOX 203 CLIFTON PARK, NY 12065 | THE PAUL REVERE LIFE INSURANCE COMPANY | $30 | $0 | $30 | 0.08% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES | 30 CORPORATE DR CLIFTON PARK, NY 12065 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $139 | $0 | $139 | 1.65% |
| NIKKI PECORINO3 | 1650 HANOVER DRIVE RENO, NV 89523 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $112 | $0 | $112 | 1.33% |
| LORRAINE RHODES3 | 1465 ROUTE 29 GALWAY, NY 12074 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $59 | $0 | $59 | 0.70% |
| PENELOPE DEAN KENNY3 | 3555 S OCEAN BLVD APT 215 S PALM BEACH, FL 33480 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51 | $1 | $52 | 0.62% |
| TIMOTHY J REED3 | 21 AZALEA DRIVE LUMBERTON, NJ 08048 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | $0 | $15 | 0.18% |
| RITTER AND ASSOCIATES LLC3 | P.O. BOX 203 CLIFTON PARK, NY 12065 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $0 | $11 | 0.13% |
| ROSEANN REYNOLDS3 | 163 CEDAR ST BRANFORD, CT 06405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $4 | $7 | 0.08% |
| HOWARD HOROWITZ3 | 2610 ALCOTT STREET CARMEL, IN 46032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.05% |
| VENESSA N DEAN3 | 92 LIMEWOOD AVE BRANFORD, CT 06405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.04% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $734 | $0 | $734 | 19.99% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | FEDERAL INSURANCE COMPANY | $551 | $0 | $551 | 15.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| JAEGER & FLYNN ASSOCIATES EIN 14-1747264 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 30 CORPORATE DR CLIFTON PARK, NY 12065 | $22K |
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 | 475 | 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) | 475 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE SHIELD OF NORTHEASTERN NEW YORK | 751 | $3.4M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 382 | $188K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 382 | $188K |
| Life insurance(2 contracts, 2 carriers) | THE PAUL REVERE LIFE INSURANCE COMPANY | 69 | $45K |
| Short-term disability(2 contracts, 2 carriers) | THE PAUL REVERE LIFE INSURANCE COMPANY | 69 | $45K |
| Prescription drug | BLUE SHIELD OF NORTHEASTERN NEW YORK | 751 | $3.4M |
| Other(3 contracts, 3 carriers) | THE PAUL REVERE LIFE INSURANCE COMPANY | 69 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 751 | — |
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.