| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | THE GUARDIAN GROUP LIFE INSURANCE COMPANY OF AMERICA | $8K | $4K | $13K | 17.21% |
| WAG NY INC3 | 250 CROSSWAYS PK DR WOODBURY, NY 11797 | THE GUARDIAN GROUP LIFE INSURANCE COMPANY OF AMERICA | -$10 | — | -$10 | -0.01% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | LINCOLN FINANCIAL GROUP | $3K | $1K | $4K | 9.43% |
| 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 | LINCOLN FINANCIAL GROUP | $4K | $1K | $5K | 13.66% |
| 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 | LINCOLN FINANCIAL GROUP | $5K | $959 | $6K | 18.07% |
| 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 | $3K | — | $3K | 17.91% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | TRANSAMERICA LIFE INSURANC COMPANY | $0 | — | $0 | 0.00% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NC 12065 | MVP HEALTHCARE | $0 | — | $0 | — |
| DANIELLE M BRANCATO HOUSE3 | 4 CRESTMONT DRIVE CLIFTON PARK, NY 12065 | AFLAC | $2K | $123 | $2K | — |
| MARIA N SMIRENSKY3 | 684 COUNTY ROUTE 25 STUYVESANT, NY 12173 | AFLAC | $488 | — | $488 | — |
| KRISTA ANNE ROTONDI3 | 5 PINE WEST PLZ STE 503 ALBANY, NY 12205 | AFLAC | $334 | $30 | $364 | — |
| THOMAS S LARSON3 | 16 PRISCILLA LN SCHENECTADY, NY 12308 | AFLAC | $185 | $59 | $244 | — |
| PETER LOMBARDO3 | 15 LACEBARK LN MEDFORD, NY 11763 | AFLAC | $155 | — | $155 | — |
| EDWIN O'CONNOR3 | PO BOX 166 MASSEPEQUA, NY 11758 | AFLAC | $104 | — | $104 | — |
| RICHARD PETERSON3 | 14107 20TH AVE STE 507 WHITESTONE, NY 11357 | AFLAC | $75 | — | $75 | — |
| LORI ANN LOMBARDO3 | 15 LACEBARK LN MEDFORD, NY 11763 | AFLAC | $64 | — | $64 | — |
| MICHELLE NOLAN3 | 46 ESOPUS DR CLIFTON PARK, NY 12065 | AFLAC | $56 | — | $56 | — |
| TAI ST JOHN3 | 13 VINCEK LANE SARATOGA SPRINGS, NY 12866 | AFLAC | $36 | — | $36 | — |
| GFM CORP3 | 1339 BELL BLVD BAYSIDE, NY 11360 | AFLAC | $27 | — | $27 | — |
| TIMOTHY C CAVAZOS3 | 11551 NUCKOLS ROAD STE P GLEN ALLEN, VA 23059 | AFLAC | $22 | — | $22 | — |
| AMY PETERS3 | 20 WILLOW LN WYNANTSKILL, NY 12198 | AFLAC | $19 | — | $19 | — |
| EDWIN O'CONNOR3 Filed as: EDWIN O CONNOR | PO BOX 166 MASSAPEQUA, NY 11758 | AFLAC | $18 | — | $18 | — |
| MELISSA ANN STEWART3 | 36 WINCOMA LN QUEENSBURY, NY 12804 | AFLAC | $14 | — | $14 | — |
| DANIEL H BARRY3 | 46 ESOPUS DRIVE CLIFTON PARK, NY 12065 | AFLAC | $10 | — | $10 | — |
| BRIAN WHITE3 | 6 COWDIN LN CHAPPAQUA, NY 10514 | AFLAC | $10 | — | $10 | — |
| BENITO A ROTONDI II INC3 | 23 PINE RIDGE ROAD SARATOGA SPRINGS, NY 12866 | AFLAC | $9 | — | $9 | — |
| JACQUES P DAVID CORPORATION3 | 35 PINELAWN ROAD STE 190 MELVILLE, NY 11747 | AFLAC | $7 | — | $7 | — |
| KENNETH C MEIER CORP3 | 401 FRANKLIN AVE STE 312 GARDEN CITY, NY 11530 | AFLAC | $3 | — | $3 | — |
| JACQUES P DAVID CORPORATION3 | 125 JERICHO TPKE STE 201 JERICHO, NY 11753 | AFLAC | $1 | — | $1 | — |
| 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 | $14K |
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 | 294 | 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) | 294 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MVP HEALTHCARE | 367 | $0 |
| Dental | THE GUARDIAN GROUP LIFE INSURANCE COMPANY OF AMERICA | 265 | $74K |
| Vision | THE GUARDIAN GROUP LIFE INSURANCE COMPANY OF AMERICA | 265 | $74K |
| Life insurance(3 contracts, 2 carriers) | THE GUARDIAN GROUP LIFE INSURANCE COMPANY OF AMERICA | 294 | $149K |
| Short-term disability(2 contracts, 2 carriers) | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | 62 | $19K |
| Long-term disability(2 contracts, 2 carriers) | THE GUARDIAN GROUP LIFE INSURANCE COMPANY OF AMERICA | 287 | $110K |
| Prescription drug | MVP HEALTHCARE | 367 | $0 |
| Other(4 contracts, 3 carriers) | THE GUARDIAN GROUP LIFE INSURANCE COMPANY OF AMERICA | 294 | $149K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 367 | — |
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.