| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT ADMINISTRATIVE SYSTEMS, LLC3 Filed as: BENEFIT ADMINISTRATIVE SYSTEMS LLC | 17475 JOVANNA DRIVE SUITE 1B HOMEWOOD, IL 60430 | SUN LIFE AND HEALTH INSURANCE COMPANY | $28K | $34K | $62K | 5.48% |
| POINT6 HEALTHCARE LLC3 | 6860 DALLAS PKWY SUITE 200 PLANO, TX 75024 | SUN LIFE AND HEALTH INSURANCE COMPANY | $57K | — | $57K | 5.00% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | DELTA DENTAL OF NEW YORK, INC | $15K | — | $15K | 2.00% |
| PLANSOURCE BENEFITS ADMN INC3 | 701 XENIA AVE S #150 MINNEAPOLIS, MN 55416 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $18K | $18K | 5.00% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $6K | $9K | $15K | 3.97% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $5K | $14K | 6.77% |
| PLANSOURCE BENEFITS ADMN INC3 | PO BOX 1313 ORLANDO, FL 32802 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $10K | $10K | 5.00% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $5K | $5K | $10K | 4.61% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $5K | $4K | $10K | 5.39% |
| PLANSOURCE BENEFITS ADMN INC3 | PO BOX 1313 ORLANDO, FL 32802 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $9K | $9K | 5.00% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $22K | $4K | $27K | 17.85% |
| PLANSOURCE BENEFITS ADMN INC3 | PO BOX 1313 ORLANDO, FL 32802 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $7K | $7K | 5.00% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $5K | $417 | $6K | 16.21% |
| PLANSOURCE BENEFITS ADMN INC3 | PO BOX 1313 ORLANDO, FL 32802 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | — | $2K | 5.00% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 10.35% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $5K | $560 | $6K | 19.60% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF ROAD 11TH FLOOR ROLLING MEADOWS, IL 60008 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $3K | — | $3K | 10.63% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 116 HUNTINGTON AVE 10TH FL BOSTON, MA 02116 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $3 | $3 | 0.01% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | FIRST UNUM LIFE INSURANCE COMPANY | $684 | — | $684 | 4.36% |
| AON CONSULTING INC3 | 30 WATERSIDE DR PO BOX 527 FARMINGTON, CT 06034 | FIRST UNUM LIFE INSURANCE COMPANY | $298 | — | $298 | 1.90% |
| AON CONSULTING INC3 | 30 WATERSIDE DR PO BOX 527 FARMINGTON, CT 06034 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $62 | — | $62 | 2.81% |
| AON CONSULTING INC3 | 30 WATERSIDE DRIVE FARMINGTON, CA 06034 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $48 | — | $48 | 2.17% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPIRE HEALTHCARE ASSURANCE INC EIN 23-7391136 ASO PROVIDER | Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Contract Administrator; Claims processing Service code 12 | 9 PINE STREET 14TH FLOOR NEW YORK, NY 10005 | $371K |
| JAEGER & FLYNN ASSOCIATES, INC. | Other commissions; Consulting (general); Non-monetary compensation; Insurance agents and brokers Service code 16 | — | $264K |
| BENEFIT ADMINISTRATIVE SYSTEMS LLC EIN 36-4197088 ADMINISTRATOR | Plan Administrator; Contract Administrator Service code 13 | 17475 JOVANNA DRIVE HOMEWOOD, IA 60430 | $218K |
| JAEGER & FLYNN ASSOCIATES, INC EIN 14-1747264 CONTRACT ADMINISTRATOR | Consulting (general); Contract Administrator Service code 13 | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | $60K |
| EXPRESS SCRIPTS INC EIN 43-1420563 RX ADMINISTRATOR | Claims processing Service code 12 | ONE EXPRESS WAY ST LOUIS, MI 63121 | $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 | 1,206 | 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) | 1,206 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW YORK, INC | 1,928 | $743K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 805 | $210K |
| Life insurance(5 contracts, 3 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 1,206 | $571K |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 1,206 | $207K |
| Long-term disability(2 contracts, 2 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 1,206 | $210K |
| Stop-loss / reinsurancereinsurance | SUN LIFE AND HEALTH INSURANCE COMPANY | 849 | $1.1M |
| Other(5 contracts, 4 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 1,206 | $663K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,928 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.