| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOC., INC. | 30 CORPORATE DR. CLIFTON PARK, NY 12065 | BLUESHIELD OF NORTHEASTERN NEW YORK | $30K | — | $30K | 3.50% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOC., INC. | 30 CORPORATE DR. CLIFTON PARK, NY 12065 | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | $34K | — | $34K | 4.67% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $3K | $5K | $8K | 18.35% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $4K | $4K | $8K | 22.26% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $5K | $4K | $9K | 25.62% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $12K | — | $12K | 34.34% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE | $3K | — | $3K | 9.98% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | GERBER LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIANTES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | MUTUAL OF OMAHA INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PROACT PHARMACY EIN 16-1571381 PHARMACY BENEFIT MANAGER | Plan Administrator Service code 14 | 30 CORPORATE DR EAST GREENBUSH, NY 13057 | $423K |
| JAEGER & FLYNN ASSOC., INC. EIN 14-1747264 SECTION 105 PLAN ADMINIS | Plan Administrator Service code 14 | 30 CORPORATE DR. CLIFTON PARK, NY 12065 | $47K |
| HUMAN RESOURCE ASSOCIATES EIN 14-1666062 EAP PLAN PROVIDER | Plan Administrator Service code 14 | 105 SOUTH LAKE AVE. ALBANY, NY 12208 | $18K |
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 | 527 | 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) | 527 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUESHIELD OF NORTHEASTERN NEW YORK | 593 | $1.6M |
| Dental | DELTA DENTAL OF NEW YORK | 769 | $20K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE | 568 | $31K |
| Life insurance(2 contracts) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 527 | $77K |
| Short-term disability(2 contracts, 2 carriers) | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | 260 | $44K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 527 | $37K |
| Prescription drug(2 contracts, 2 carriers) | BLUESHIELD OF NORTHEASTERN NEW YORK | 593 | $1.6M |
| Stop-loss / reinsurancereinsurance | GERBER LIFE INSURANCE COMPANY | 300 | $26K |
| Other(3 contracts, 2 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 527 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 769 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.