| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | HIGHMARK NORTHEASTERN NY | $14K | — | $14K | 2.38% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STREET POUGHKEPSIE, NY 12601 | HIGHMARK NORTHEASTERN NY | $10K | — | $10K | 1.81% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | EMPIRE HEALTHCHOICE ASSURANCE INC | $1K | $1K | $2K | 6.45% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | EMPIRE HEALTHCHOICE ASSURANCE INC | $812 | — | $812 | 2.11% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | COMPANION LIFE INSURANCE COMPANY | $2K | $684 | $3K | 13.24% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOC INC | 42 SOUTH STREET GLENS FALLS, NY 12801 | MUTUAL OF OMAHA INSURANCE COMPANY | $1K | $429 | $2K | 13.21% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOC INC | 42 SOUTH STREET GLENS FALLS, NY 12801 | MUTUAL OF OMAHA INSURANCE COMPANY | $810 | $191 | $1K | 18.55% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOC INC | 42 SOUTH STREET GLENS FALLS, NY 12801 | MUTUAL OF OMAHA INSURANCE COMPANY | $520 | $148 | $668 | 12.85% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOC INC | 42 SOUTH STREET GLENS FALLS, NY 12801 | MUTUAL OF OMAHA INSURANCE COMPANY | $206 | $67 | $273 | 13.23% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DR CLIFTON PARK, NY 12065 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $74 | $78 | $152 | 10.51% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $71 | — | $71 | 4.91% |
| WAG NY INC3 | 250 CROSSWAYS PK DR WOODBURY, NY 11797 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1 | — | $1 | 0.07% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN AVENUE POUGHKEEPSIE, NY 12601 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $100 | — | $100 | 8.85% |
| THOMAS F FLYNN3 | 15 COBBLE HILL DRIVE GANSEVOORT, NY 12831 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $28 | — | $28 | 2.48% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DR CLIFTON PARK, NY 12065 | MUTUAL OF OMAHA INSURANCE COMPANY | $163 | $41 | $204 | 18.78% |
| THOMAS F FLYNN3 | 15 COBBLE HILL DRIVE GANSEVOORT, NY 12831 | TRANSAMERICA LIFE INSURANCE COMPANY | $2 | — | $2 | 3.28% |
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 | 122 | 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) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK NORTHEASTERN NY | 122 | $571K |
| Dental | EMPIRE HEALTHCHOICE ASSURANCE INC | 58 | $38K |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE INC | 58 | $38K |
| Life insurance(3 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 116 | $35K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 18 | $5K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 116 | $13K |
| Prescription drug | HIGHMARK NORTHEASTERN NY | 122 | $571K |
| Other(6 contracts, 4 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 116 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 122 | — |
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.