| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | MVP HEALTHCARE | $34K | — | $34K | 2.54% |
| ROSE & KIERNAN INC3 | 90 TROY ROAD EAST GREENBUSH, NY 12061 | MVP HEALTHCARE | $7K | — | $7K | 0.50% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | DELTA DENTAL OF NEW YORK | $6K | — | $6K | 5.01% |
| ROSE & KIERNAN INC3 | 90 TROY ROAD EAST GREENBUSH, NY 12061 | DELTA DENTAL OF NEW YORK | $978 | — | $978 | 0.86% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | EXCELLUS BLUE CROSS BLUE SHIELD | $2K | — | $2K | 4.00% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | CAPITAL DISTRICT PHYSICIANS' HEALTH PLAN | $761 | — | $761 | 2.27% |
| ROSE & KIERNAN INC3 | 99 TROY ROAD EAST GREENBUSH, NY 12061 | CAPITAL DISTRICT PHYSICIANS' HEALTH PLAN | $244 | — | $244 | 0.73% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE | $1K | — | $1K | 6.01% |
| ROSE & KIERNAN INC3 | 90 TROY ROAD EAST GREENBUSH, NY 12061 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE | $298 | — | $298 | 1.53% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | FIRST UNUM LIFE INSURANCE COMPANY | $961 | — | $961 | 6.14% |
| ROSE & KIERNAN INC3 | 90 TROY ROAD EAST GREENBUSH, NY 12061 | FIRST UNUM LIFE INSURANCE COMPANY | $317 | — | $317 | 2.03% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $3K | — | $3K | 29.11% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| JAEGER & FLYNN ASSOCIATES, INC EIN 14-1747264 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | $7K |
| LIFEWORKS US INC EIN 81-1114266 EAP PROVIDER | Contract Administrator Service code 13 | 201 17TH ST NW, SUITE 630 ATLANTA, GA 30363 | $6K |
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 | 282 | 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) | 282 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 5 carriers) | MVP HEALTHCARE | 211 | $1.6M |
| Dental | DELTA DENTAL OF NEW YORK | 332 | $114K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE | 226 | $19K |
| Life insurance(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 282 | $25K |
| Prescription drug(4 contracts, 4 carriers) | MVP HEALTHCARE | 211 | $1.6M |
| Other | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 282 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 332 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.