| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING INC. | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $93K | — | $93K | 2.51% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING INC. | 280 NORTH BEDFORD ROAD SUITE 104 MOUNT KISCO, NY 10549 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $3K | $14K | 7.52% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING INC. | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | THE PAUL REVERE LIFE INSURANCE COMPANY | $4K | — | $4K | 4.54% |
| BRIAN MCLAUCHLAN3 | 303 FOREST DR NORTH SYRACUSE, NY 13212 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | $1K | $3K | 3.79% |
| SUSAN SMITH3 | 1216 LANDRUSH WAY BALDWINSVILLE, NY 13027 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3K | $333 | $3K | 3.58% |
| RONALD MARTIN BILDSTEIN3 | 135 CADILLAC STREET SYRACUSE, NY 13208 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | $33 | $2K | 1.95% |
| KIEHL M HUTCHINGS3 | 2149 MASTERS RD MARCELLUS, NH 13108 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | — | $1K | 1.79% |
| MICHAEL L O'DONNELL3 | 133 HAZELHURST AVE N SYRACUSE, NY 13212 | THE PAUL REVERE LIFE INSURANCE COMPANY | $629 | $367 | $996 | 1.19% |
| MEGAN Z CULVER3 Filed as: MEGAN Z HARRIS | 3 GORING PL WAPPINGERS FALLS, NY 12590 | THE PAUL REVERE LIFE INSURANCE COMPANY | $141 | — | $141 | 0.17% |
| JOSEPH MONTELEONE3 | 7 NORMANDY CT COMMACK, NY 11725 | THE PAUL REVERE LIFE INSURANCE COMPANY | $72 | $22 | $94 | 0.11% |
| AIKEN ENTERPRISES LLC3 | 341 GILLIGAN RD HUDSON, NY 12534 | THE PAUL REVERE LIFE INSURANCE COMPANY | $80 | — | $80 | 0.10% |
| CATHERINE MONTELEONE3 | 7 NORMANDY COURT COMMACK, NY 11725 | THE PAUL REVERE LIFE INSURANCE COMPANY | $72 | $5 | $77 | 0.09% |
| JACQUELINE RENEE JACKSON3 | 6 E ONEIDA ST APT 2 BALDWINSVILLE, NY 13027 | THE PAUL REVERE LIFE INSURANCE COMPANY | $55 | — | $55 | 0.07% |
| SHANNON DIARRA SHEPPARD3 | 101 US RTE 130 S GRANT BLD CINNAMINSON, NJ 08077 | THE PAUL REVERE LIFE INSURANCE COMPANY | $38 | — | $38 | 0.05% |
| PERRY L KANFER3 | 4509 RUSH CREEK DRIVE JAMESVILLE, NY 13078 | THE PAUL REVERE LIFE INSURANCE COMPANY | $36 | — | $36 | 0.04% |
| MARC E COHN3 | 20 MILLTOWN RD STE 104D BREWSTER, NY 10509 | THE PAUL REVERE LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING INC. | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | SECURITY MUTUAL LIFE INS. CO. OF NEW YORK | $4K | — | $4K | 8.06% |
| GREATER METRO AGENCY INC3 Filed as: GREATER METRO AGENCY, INC. | 217 WOODBURY ROAD UNIT 375 WOODBURY, NY 11797 | SECURITY MUTUAL LIFE INS. CO. OF NEW YORK | $769 | — | $769 | 1.61% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING INC. | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $3K | — | $3K | 8.24% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING INC. | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S) | $2K | — | $2K | 8.22% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICE | — | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S) | $1K | — | $1K | 4.24% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING INC. | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | HM LIFE INSURANCE COMPANY OF NEW YORK | $2K | — | $2K | 10.00% |
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 | 654 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 663 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 654 | $187K |
| Vision | HM LIFE INSURANCE COMPANY OF NEW YORK | 269 | $21K |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S) | 311 | $27K |
| Short-term disability | SECURITY MUTUAL LIFE INS. CO. OF NEW YORK | 422 | $48K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 303 | $37K |
| Other(2 contracts, 2 carriers) | THE PAUL REVERE LIFE INSURANCE COMPANY | 311 | $110K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 654 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.