| 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. | $98K | — | $98K | 3.99% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING INC. | 280 NORTH BEDFORD ROAD SUITE 104 MOUNT KISCO, NY 10549 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $5K | $17K | 8.70% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING INC. | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3K | — | $3K | 4.06% |
| SUSAN SMITH3 | 1216 LANDRUSH WAY BALDWINSVILLE, NY 13027 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | $9 | $2K | 2.73% |
| BRIAN MCLAUCHLAN3 | 303 FOREST DR NORTH SYRACUSE, NY 13212 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | $37 | $2K | 2.04% |
| RONALD MARTIN BILDSTEIN3 | 135 CADILLAC STREET SYRACUSE, NY 13208 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | $50 | $1K | 1.71% |
| KIEHL M HUTCHINGS3 | 2149 MASTERS RD MARCELLUS, NH 13108 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | — | $1K | 1.52% |
| MICHAEL L O'DONNELL3 | 133 HAZELHURST AVE N SYRACUSE, NY 13212 | THE PAUL REVERE LIFE INSURANCE COMPANY | $567 | $36 | $603 | 0.72% |
| CATHERINE MONTELEONE3 | 7 NORMANDY COURT COMMACK, NY 11725 | THE PAUL REVERE LIFE INSURANCE COMPANY | $91 | $84 | $175 | 0.21% |
| MEGAN Z CULVER3 | 3 GORING PL WAPPINGERS FALLS, NY 12590 | THE PAUL REVERE LIFE INSURANCE COMPANY | $116 | — | $116 | 0.14% |
| JOSEPH MONTELEONE3 | 7 NORMANDY CT COMMACK, NY 11725 | THE PAUL REVERE LIFE INSURANCE COMPANY | $91 | $8 | $99 | 0.12% |
| AIKEN ENTERPRISES LLC3 | 341 GILLIGAN RD HUDSON, NY 12534 | THE PAUL REVERE LIFE INSURANCE COMPANY | $62 | — | $62 | 0.07% |
| SHANNON DIARRA SHEPPARD3 | 1 VAUGHN WAY BURLINGTON, NJ 08016 | THE PAUL REVERE LIFE INSURANCE COMPANY | $32 | — | $32 | 0.04% |
| JACQUELINE RENEE JACKSON3 | 2 LEYLAND CYPRESS CT ELGIN, SC 29045 | THE PAUL REVERE LIFE INSURANCE COMPANY | $18 | — | $18 | 0.02% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING INC. | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | SECURITY MUTUAL LIFE INSURANCE COMPANY OF NEW YORK | $4K | — | $4K | 7.53% |
| GREATER METRO AGENCY INC3 Filed as: GREATER METRO AGENCY | 1000 WOODBURY ROAD STE 403 WOODBURY, NY 11797 | SECURITY MUTUAL LIFE INSURANCE COMPANY OF NEW YORK | $786 | — | $786 | 1.51% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING INC. | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $4K | — | $4K | 9.69% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING INC. | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S) | $3K | $651 | $3K | 11.15% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICE | — | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S) | $1K | — | $1K | 4.60% |
| 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% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING INC. | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | HM LIFE INSURANCE COMPANY OF NEW YORK | $3 | — | $3 | 8.82% |
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 | 674 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 678 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 279 | $2.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 675 | $201K |
| Vision(2 contracts) | HM LIFE INSURANCE COMPANY OF NEW YORK | 273 | $23K |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S) | 307 | $29K |
| Short-term disability | SECURITY MUTUAL LIFE INSURANCE COMPANY OF NEW YORK | 446 | $52K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 275 | $41K |
| Other(2 contracts, 2 carriers) | THE PAUL REVERE LIFE INSURANCE COMPANY | 307 | $114K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 675 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.