| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NC 12065 | MVP HEALTHCARE | $69K | — | $69K | 3.30% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | LINCOLN FINANCIAL GROUP | $3K | $3K | $6K | 12.40% |
| PLANSOURCE BENEFITS ADMINISTRATION3 Filed as: PLANSOURCE BENEFITS ADMIN INC | 701 XENIA AVE S #150 MINNEAPOLIS, MN 55416 | LINCOLN FINANCIAL GROUP | — | $2K | $2K | 5.00% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | THE GUARDIAN GROUP LIFE INSURANCE COMPANY OF AMERICA | $2K | $4K | $6K | 14.45% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES INC | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | LINCOLN FINANCIAL GROUP | $4K | $2K | $6K | 16.56% |
| PLANSOURCE BENEFITS ADMINISTRATION3 Filed as: PLANSOURCE BENEFITS ADMIN INC | 701 XENIA AVE S #150 MINNEAPOLIS, MN 55416 | LINCOLN FINANCIAL GROUP | — | $2K | $2K | 5.00% |
| DANIELLE M BRANCATO HOUSE3 | 4 CRESTMONT DRIVE CLIFTON PARK, NY 12065 | AFLAC | $4K | $398 | $5K | 14.79% |
| MARIA N SMIRENSKY3 | 684 COUNTY ROUTE 25 STUYVESANT, NY 12173 | AFLAC | $2K | $372 | $3K | 8.04% |
| KRISTA ANNE ROTONDI3 | 5 PINE WEST PLZ STE 503 ALBANY, NY 12205 | AFLAC | $924 | $128 | $1K | 3.32% |
| THOMAS S LARSON3 | 16 PRISCILLA LN SCHENECTADY, NY 12308 | AFLAC | $901 | — | $901 | 2.85% |
| MICHELLE NOLAN3 | 46 ESOPUS DR CLIFTON PARK, NY 12065 | AFLAC | $222 | $34 | $256 | 0.81% |
| GFM CORP3 | 1339 BELL BLVD BAYSIDE, NY 11360 | AFLAC | $183 | — | $183 | 0.58% |
| PETER LOMBARDO3 | 15 LACEBARK LN MEDFORD, NY 11763 | AFLAC | $168 | — | $168 | 0.53% |
| EDWIN O'CONNOR3 | PO BOX 166 MASSEPEQUA, NY 11758 | AFLAC | $137 | — | $137 | 0.43% |
| TAI ST JOHN3 | 13 VINCEK LANE SARATOGA SPRINGS, NY 12866 | AFLAC | $115 | — | $115 | 0.36% |
| RICHARD PETERSON3 | 14107 20TH AVE STE 507 WHITESTONE, NY 11357 | AFLAC | $81 | — | $81 | 0.26% |
| LORI ANN LOMBARDO3 | 15 LACEBARK LN MEDFORD, NY 11763 | AFLAC | $70 | — | $70 | 0.22% |
| AMY PETERS3 | 20 WILLOW LN WYNANTSKILL, NY 12198 | AFLAC | $40 | $5 | $45 | 0.14% |
| MELISSA ANN STEWART3 | 36 WINCOMA LN QUEENSBURY, NY 12804 | AFLAC | $35 | $8 | $43 | 0.14% |
| MADISON JOY KAPPEL3 | 5465 ROUTE 67 EAST DURHAM, NY 12423 | AFLAC | $39 | — | $39 | 0.12% |
| DANIEL H BARRY3 | 46 ESOPUS DRIVE CLIFTON PARK, NY 12065 | AFLAC | $30 | $7 | $37 | 0.12% |
| TIMOTHY C CAVAZOS3 | 11551 NUCKOLS ROAD STE P GLEN ALLEN, VA 23059 | AFLAC | $32 | — | $32 | 0.10% |
| JACQUES P DAVID CORPORATION3 | 125 JERICHO TPKE STE 201 JERICHO, NY 11753 | AFLAC | $12 | — | $12 | 0.04% |
| BRIAN WHITE3 | 6 COWDIN LN CHAPPAQUA, NY 10514 | AFLAC | $11 | — | $11 | 0.03% |
| BENITO A ROTONDI II INC3 | 23 PINE RIDGE ROAD SARATOGA SPRINGS, NY 12866 | AFLAC | $10 | — | $10 | 0.03% |
| KENNETH C MEIER CORP3 | 401 FRANKLIN AVE STE 312 GARDEN CITY, NY 11530 | AFLAC | $5 | — | $5 | 0.02% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | LINCOLN FINANCIAL GROUP | $5K | $2K | $6K | 21.04% |
| PLANSOURCE BENEFITS ADMINISTRATION3 Filed as: PLANSOURCE BENEFITS ADMIN INC | 701 XENIA AVE S #150 MINNEAPOLIS, MN 55416 | LINCOLN FINANCIAL GROUP | — | $2K | $2K | 5.00% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $7K | — | $7K | 38.30% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| JAEGER & FLYNN ASSOCIATES INC EIN 14-1747264 SECTION 125 ADMIN | Plan Administrator Service code 14 | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | $19K |
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 | 402 | 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) | 402 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MVP HEALTHCARE | 436 | $2.1M |
| Dental | THE GUARDIAN GROUP LIFE INSURANCE COMPANY OF AMERICA | 314 | $41K |
| Vision | THE GUARDIAN GROUP LIFE INSURANCE COMPANY OF AMERICA | 314 | $41K |
| Life insurance(3 contracts, 2 carriers) | LINCOLN FINANCIAL GROUP | 402 | $116K |
| Short-term disability | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | 186 | $17K |
| Long-term disability(2 contracts, 2 carriers) | THE GUARDIAN GROUP LIFE INSURANCE COMPANY OF AMERICA | 386 | $78K |
| Prescription drug | MVP HEALTHCARE | 436 | $2.1M |
| Other(4 contracts, 3 carriers) | LINCOLN FINANCIAL GROUP | 402 | $148K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 436 | — |
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.
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.