| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT ADMINISTRATIVE SYSTEMS, LLC3 Filed as: BENEFIT ADMINISTRATIVE SYSTEMS LLC | 17475 JOVANNA DRIVE HOMEWOOD, IL 60430 | QBE INSURANCE | $26K | — | $26K | 2.50% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | DELTA DENTAL OF NEW YORK, INC | $15K | — | $15K | 2.08% |
| PLANSOURCE BENEFITS ADMN INC3 | 701 XENIA AVE S #150 MINNEAPOLIS, MN 55416 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $20K | $20K | 5.00% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $6K | — | $6K | 1.53% |
| PLANSOURCE BENEFITS ADMN INC3 | PO BOX 1313 ORLANDO, FL 32802 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $11K | $11K | 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 | 2.15% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $14K | $22K | 10.61% |
| PLANSOURCE BENEFITS ADMN INC3 | PO BOX 1313 ORLANDO, FL 32802 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $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 | 2.85% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $24K | — | $24K | 15.00% |
| PLANSOURCE BENEFITS ADMN INC3 | PO BOX 1313 ORLANDO, FL 32802 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $8K | $8K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W GOLF ROAD 11TH FLOOR ROLLING MEADOWS, IL 60008 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $6K | — | $6K | 10.50% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $3K | $766 | $4K | 7.11% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 116 HUNTINGTON AVENUE 10TH FLOOR BOSTON, MA 02116 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $0 | $374 | $374 | 0.63% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $5K | — | $5K | 15.00% |
| 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 PROPERTY AND CASUALTY INSURANCE CO. | $3K | $10 | $3K | 10.02% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $3K | $244 | $3K | 12.65% |
| 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 | $2K | — | $2K | 8.60% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | FIRST UNUM LIFE INSURANCE COMPANY | $624 | — | $624 | 5.04% |
| AON CONSULTING INC3 | 30 WATERSIDE DR PO BOX 527 FARMINGTON, CT 06034 | FIRST UNUM LIFE INSURANCE COMPANY | $138 | — | $138 | 1.11% |
| AON CONSULTING INC3 | 30 WATERSIDE DR PO BOX 527 FARMINGTON, CT 06034 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $49 | — | $49 | 3.19% |
| AON CONSULTING INC3 | 30 WATERSIDE DRIVE FARMINGTON, CA 06034 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $28 | — | $28 | 1.82% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPIRE HEALTHCARE ASSURANCE INC EIN 23-7391136 ASO PROVIDER | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Other services; Claims processing; Float revenue Service code 12 | 9 PINE STREET 14TH FLOOR NEW YORK, NY 10005 | $499K |
| JAEGER & FLYNN ASSOCIATES, INC. | Consulting (general) Service code 16 | — | $266K |
| BENEFIT ADMINISTRATIVE SYSTEMS LLC EIN 36-4197088 ADMINISTRATOR | Plan Administrator; Contract Administrator Service code 13 | 17475 JOVANNA DRIVE HOMEWOOD, IA 60430 | $227K |
| JAEGER & FLYNN ASSOCIATES, INC EIN 14-1747264 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | $107K |
| EXPRESS SCRIPTS INC EIN 43-1420563 RX ADMINISTRATOR | Claims processing Service code 12 | ONE EXPRESS WAY ST LOUIS, MI 63121 | $42K |
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 | 1,194 | 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) | 1,194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW YORK, INC | 896 | $743K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 843 | $212K |
| Life insurance(5 contracts, 3 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 1,194 | $599K |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 1,194 | $217K |
| Long-term disability(2 contracts, 2 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 1,194 | $216K |
| Stop-loss / reinsurancereinsurance | QBE INSURANCE | 851 | $1.1M |
| Other(6 contracts, 5 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 1,194 | $740K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,194 | — |
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.
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.