| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | DELTA DENTAL OF NEW YORK, INC | $12K | — | $12K | 1.52% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | DELTA DENTAL OF NEW YORK, INC | $4K | — | $4K | 0.48% |
| PLANSOURCE BENEFITS ADMN INC3 | 701 XENIA AVE S #150 MINNEAPOLIS, MN 55416 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $21K | $21K | 5.00% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $4K | — | $4K | 0.85% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $3K | — | $3K | 0.61% |
| PLANSOURCE BENEFITS ADMN INC3 | PO BOX 1313 ORLANDO, FL 32802 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $13K | $13K | 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 | 1.75% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $1K | — | $1K | 0.46% |
| PLANSOURCE BENEFITS ADMN INC3 | PO BOX 1313 ORLANDO, FL 32802 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $12K | $12K | 5.00% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $3K | — | $3K | 1.26% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | — | $2K | 0.78% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $8K | $11K | 4.67% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 3.53% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $20K | — | $20K | 11.49% |
| 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 | $6K | — | $6K | 3.51% |
| 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 | 8.27% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $3K | — | $3K | 4.08% |
| 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 | $444 | $444 | 0.59% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $5K | — | $5K | 11.45% |
| 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 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | — | $2K | 3.55% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $3K | — | $3K | 8.66% |
| 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 | 5.75% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 116 HUNTINGTON AVE 10TH FL BOSTON, MA 02116 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $0 | $3 | $3 | 0.01% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | JAEGER AND FLYNN ASSOCIATES, INC. 110 MAIN STREET POUGHKEEPSIE, NY 12601 | EMPLOYEE SERVICES LLC | $10K | — | $10K | 40.00% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $2K | — | $2K | 7.65% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $563 | — | $563 | 2.34% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | FIRST UNUM LIFE INSURANCE COMPANY | $502 | — | $502 | 5.72% |
| AON CONSULTING INC3 | 30 WATERSIDE DR PO BOX 527 FARMINGTON, CT 06034 | FIRST UNUM LIFE INSURANCE COMPANY | $55 | — | $55 | 0.63% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | METROPOLITIAN GENERAL INSURANCE COMPANY | $859 | — | $859 | 9.98% |
| AON CONSULTING INC3 | 30 WATERSIDE DR PO BOX 527 FARMINGTON, CT 06034 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 4.80% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| JAEGER & FLYNN ASSOCIATES, INC. | Consulting (general) Service code 16 | — | $279K |
| BENEFIT ADMINISTRATIVE SYSTEMS LLC EIN 36-4197088 ADMINISTRATOR | Contract Administrator; Plan Administrator Service code 13 | 18861 90TH AVENUE SUITE A MOKENA, IL 60448 | $244K |
| 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 | $197K |
| JAEGER & FLYNN ASSOCIATES, INC EIN 14-1747264 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | $39K |
| EXPRESS SCRIPTS INC EIN 43-1420563 RX ADMINISTRATOR | Claims processing Service code 12 | ONE EXPRESS WAY ST LOUIS, MI 63121 | $20K |
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 | 1,360 | 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) | 1,360 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW YORK, INC | 1,014 | $822K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 908 | $230K |
| Life insurance(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 31 | $9K |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 1,360 | $236K |
| Long-term disability(2 contracts, 2 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 1,360 | $297K |
| Stop-loss / reinsurancereinsurance | SYMETRA | 949 | $1.2M |
| Other(9 contracts, 7 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 1,360 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,360 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.