| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $4K | $1K | $6K | 14.34% |
| PLANSOURCE BENEFITS ADMN INC3 | 701 XENIA AVE S #150 MINNEAPOLIS, MN 55416 | 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 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $2K | $2K | $4K | 10.20% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DR CLIFTON PARK, NY 12065 | MUTUAL OF OMAHA INSURANCE COMPANY | $1K | $51 | $1K | 13.67% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $388 | — | $388 | 10.50% |
| THOMAS F FLYNN3 | 15 COBBLE HILL DRIVE GANSEVOORT, NY 12831 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $109 | — | $109 | 2.95% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DR CLIFTON PARK, NY 12065 | GUARDIAN GROUP LIFE INSURANCE COMPANY OF AMERICA | $197 | $13 | $210 | 10.68% |
| WAG NY INC3 | 250 CROSSWAYS PK DR WOODBURY, NY 11797 | GUARDIAN GROUP LIFE INSURANCE COMPANY OF AMERICA | $7 | — | $7 | 0.36% |
| THOMAS F FLYNN3 | 15 COBBLE HILL DRIVE GANSEVOORT, NY 12831 | TRANSAMERICA LIFE INSURANCE COMPANY | $16 | — | $16 | 3.23% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | BLUESHIELD OF NORTHEASTERN NEW YORK | $21K | — | $21K | — |
No Schedule C service providers reported on this filing.
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 | 108 | 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) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUESHIELD OF NORTHEASTERN NEW YORK | 101 | $0 |
| Dental | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 193 | $40K |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 193 | $40K |
| Life insurance | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 108 | $41K |
| Short-term disability(3 contracts, 3 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 32 | $14K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 108 | $41K |
| Prescription drug | BLUESHIELD OF NORTHEASTERN NEW YORK | 101 | $0 |
| Other(5 contracts, 5 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 108 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 193 | — |
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.