| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC | 30 CORPORATE DR. CLIFTON PARK, NY 12065 | HCC LIFE INSURANCE COMPANY | $157K | — | $157K | 10.00% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOC INC | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $26K | $12K | $38K | 7.93% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES INC | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $16K | $4K | $20K | 11.67% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $16K | $5K | $20K | 12.05% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $3K | $3K | 2.98% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOC., INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $3K | — | $3K | 21.39% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $1K | — | $1K | 20.00% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | FEDERAL INSURANCE COMPANY | $935 | — | $935 | 15.00% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOC., INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | TRANSAMERICA LIFE INSURANCE COMPANY | $922 | — | $922 | 19.71% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPIRE HEALTHCHOICE ASSURANCE INC EIN 23-7391136 CONTRACT ADMINISTRATOR | Float revenue; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Contract Administrator Service code 12 | 9 PINE STREET 14TH FLOOR NEW YORK, NY 10005 | $769K |
| JAEGER & FLYNN ASSOCIATES, INC. | Insurance brokerage commissions and fees; Insurance agents and brokers; Non-monetary compensation; Other commissions Service code 22 | — | $66K |
| JAEGER & FLYNN ASSOCIATES EIN 14-1747264 CONTRACT ADMINISTRATOR | Contract Administrator; Insurance agents and brokers; Other commissions; Insurance brokerage commissions and fees Service code 13 | 30 CORPORATE DR CLIFTON PARK, NY 12065 | $51K |
| INGENIO, RX INC EIN 82-3062245 ADMINISTRATION | Float revenue; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Claims processing Service code 12 | 450 HEADQUARTERS PLAZA 7TH FLOOR EAST TOWER MORRISTOWN, NJ 07960 | $27K |
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 | 808 | 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) | 808 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 701 | $483K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 701 | $483K |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 808 | $170K |
| Short-term disability(3 contracts, 3 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 322 | $110K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 499 | $169K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 610 | $1.6M |
| Other(6 contracts, 5 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 852 | $692K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 852 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.