| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 110 MAIN SREET POUGHKEEPSIE, NY 12601 | HIGHMARK NORTHEASTERN NEW YORK | $72K | — | $72K | 3.00% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $10K | $20K | 8.06% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NC 12065 | HARTFORD LIFE AND ACCIDENT | $10K | — | $10K | 5.51% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPLOYEE SERVICES LLC EIN 22-2762686 PLAN ADMINISTRATOR | Plan Administrator Service code 14 | 55 CHAMBERLAIN STREET WELLSVILLE, NY 14895 | $8K |
| JAEGER & FLYNN ASSOCIATES INC EIN 14-1747264 FLEX ADMINISTRATOR | Contract Administrator; Plan Administrator Service code 13 | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | $8K |
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 | 283 | 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) | 283 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK NORTHEASTERN NEW YORK | 489 | $2.4M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 235 | $247K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 235 | $247K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 283 | $173K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 283 | $173K |
| Prescription drug | HIGHMARK NORTHEASTERN NEW YORK | 489 | $2.4M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 283 | $420K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 489 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.