| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOC., INC. | 30 CORPORATE DR. CLIFTON PARK, NY 12065 | HEALTHNOW NEW YORK, INC. DBA BLUECROSS BLUESHIELD OF NORTHEASTERN NY | $69K | $0 | $69K | 3.00% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOC., INC. | 30 CORPORATE DR. CLIFTON PARK, NY 12065 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | $7K | $20K | 12.63% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIANTES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 14.35% |
| LORRAINE RHODES3 | 1465 ROUTE 29 GALWAY, NY 12074 | THE PAUL REVERE LIFE INSURANCE COMPANY | $41 | $6 | $47 | 0.24% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PROACT PHARMACY EIN 16-1571381 PHARMACY BENEFIT MANAGER | Plan Administrator Service code 14 | 30 CORPORATE DR EAST GREENBUSH, NY 13057 | $806K |
| JAEGER & FLYNN ASSOC., INC. EIN 14-1747264 SECTION 105 PLAN ADMINIS | Plan Administrator Service code 14 | 30 CORPORATE DR. CLIFTON PARK, NY 12065 | $31K |
| THE GUARDIAN LIFE INSURANCE COMPANY EIN 13-5123390 DENTAL PLAN ADMINISTRATO | Plan Administrator Service code 14 | P.O. BOX 26050 LEHIGH VALLEY, PA 180026050 | $20K |
| HUMAN RESOURCE ASSOCIATES EIN 14-1666062 EAP PLAN PROVIDER | Plan Administrator Service code 14 | 105 SOUTH LAKE AVE. ALBANY, NY 12208 | $13K |
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 | 500 | 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) | 500 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHNOW NEW YORK, INC. DBA BLUECROSS BLUESHIELD OF NORTHEASTERN NY | 614 | $2.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 500 | $155K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 500 | $155K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 500 | $155K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 500 | $175K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 500 | $155K |
| Other(2 contracts, 2 carriers) | HEALTHNOW NEW YORK, INC. DBA BLUECROSS BLUESHIELD OF NORTHEASTERN NY | 614 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 614 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.