| 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 | $59K | — | $59K | 5.01% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | DELTA DENTAL OF NEW YORK | $3K | — | $3K | 3.51% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | COMPANION LIFE INSURANCE COMPANY | $7K | $964 | $8K | 22.91% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DR CLIFTON PARK, NY 12065 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $5K | — | $5K | 16.21% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS CO | $2K | — | $2K | 10.05% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | COMPANION LIFE INSURANCE COMPANY | $209 | $217 | $426 | 6.13% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | MUTUAL OF OMAHA INSURANCE COMPANY | $319 | $51 | $370 | 23.23% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | MUTUAL OF OMAHA INSURANCE COMPANY | $26 | $27 | $53 | 6.10% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LIFEWORKS US INC EIN 81-1114266 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 201 17TH STREET NW SUITE 630 ATLANTA, GA 30363 | $9K |
| JAEGER & FLYNN ASSOCIATES, INC EIN 14-1747264 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | $7K |
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 | 276 | 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) | 276 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MVP HEALTHCARE | 177 | $1.2M |
| Dental | DELTA DENTAL OF NEW YORK | 205 | $75K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS CO | 205 | $21K |
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 98 | $33K |
| Short-term disability | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | 164 | $30K |
| Prescription drug | MVP HEALTHCARE | 177 | $1.2M |
| Other(4 contracts, 3 carriers) | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | 276 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 276 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.