| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING INC | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | MUTUAL OF OMAHA INSURANCE COMPANY | $4K | — | $4K | 6.50% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES, INC - EB | 1000 WOODBURY RD STE 403 WOODBURY, NY 11797 | MUTUAL OF OMAHA INSURANCE COMPANY | $509 | $3K | $3K | 5.00% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES, INC - EB | 1000 WOODBURY RD STE 403 WOODBURY, NY 11797 | COMPANION LIFE INSURANCE COMPANY | $1K | $3K | $4K | 11.59% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING INC | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | COMPANION LIFE INSURANCE COMPANY | $2K | — | $2K | 7.50% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING INC | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | COMPANION LIFE INSURANCE COMPANY | $3K | — | $3K | 10.01% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES, INC - EB | 1000 WOODBURY RD STE 403 WOODBURY, NY 11797 | COMPANION LIFE INSURANCE COMPANY | $208 | $1K | $1K | 4.99% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING INC | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $879 | — | $879 | 4.01% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING INC | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | MUTUAL OF OMAHA INSURANCE COMPANY | $570 | — | $570 | 10.01% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES, INC - EB | 1000 WOODBURY RD STE 403 WOODBURY, NY 11797 | MUTUAL OF OMAHA INSURANCE COMPANY | $47 | $238 | $285 | 5.00% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES, INC - EB | 1000 WOODBURY RD STE 403 WOODBURY, NY 11797 | MUTUAL OF OMAHA INSURANCE COMPANY | $108 | $115 | $223 | 7.95% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING INC | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | MUTUAL OF OMAHA INSURANCE COMPANY | $209 | — | $209 | 7.45% |
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 | 450 | 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) | 450 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GERBER LIFE | 299 | $214K |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 273 | $22K |
| Life insurance(3 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 450 | $62K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 450 | $60K |
| Stop-loss / reinsurancereinsurance | GERBER LIFE | 299 | $214K |
| Other(2 contracts) | MUTUAL OF OMAHA INSURANCE COMPANY | 450 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 450 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.