| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING INC. | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | GROUP HEALTH INCORPORATED (GHI) | $131K | — | $131K | 4.00% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES, INC | — | GROUP HEALTH INCORPORATED (GHI) | — | $66K | $66K | 2.00% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING INC. | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $3K | $15K | 7.41% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING INC. | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | — | $1K | 1.89% |
| KIEHL M HUTCHINGS3 | 2149 MASTERS RD MARCELLUS, NY 13108 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | — | $1K | 1.43% |
| SUSAN SMITH3 | 1216 LANDRUSH WAY BALDWINSVILLE, NY 13027 | THE PAUL REVERE LIFE INSURANCE COMPANY | $904 | $16 | $920 | 1.22% |
| BRIAN MCLAUCHLAN3 | 303 FOREST DR NORTH SYRACUSE, NY 13212 | THE PAUL REVERE LIFE INSURANCE COMPANY | $737 | $10 | $747 | 0.99% |
| RONALD MARTIN BILDSTEIN3 | 135 CADILLAC STREET SYRACUSE, NY 13208 | THE PAUL REVERE LIFE INSURANCE COMPANY | $420 | $1 | $421 | 0.56% |
| MICHAEL L O'DONNELL3 | 133 HAZELHURST AVE N SYRACUSE, NY 13212 | THE PAUL REVERE LIFE INSURANCE COMPANY | $273 | $2 | $275 | 0.36% |
| MEGAN Z CULVER3 | 3 GORING PL WAPPINGERS FALLS, NY 12590 | THE PAUL REVERE LIFE INSURANCE COMPANY | $87 | — | $87 | 0.12% |
| CATHERINE MONTELEONE3 | 7 NORMANDY COURT COMMACK, NY 11725 | THE PAUL REVERE LIFE INSURANCE COMPANY | $59 | $11 | $70 | 0.09% |
| JOSEPH MONTELEONE3 | 7 NORMANDY CT COMMACK, NY 11725 | THE PAUL REVERE LIFE INSURANCE COMPANY | $59 | $3 | $62 | 0.08% |
| AIKEN ENTERPRISES LLC3 | 341 GILLIGAN RD HUDSON, NY 12534 | THE PAUL REVERE LIFE INSURANCE COMPANY | $52 | — | $52 | 0.07% |
| SHANNON DIARRA SHEPPARD3 | 1 VAUGHN WAY BURLINGTON, NJ 08016 | THE PAUL REVERE LIFE INSURANCE COMPANY | $24 | — | $24 | 0.03% |
| SHEILA ANN WILSON3 | 36 SHARYL DRIVE CENTRAL SQUARE, NY 13036 | THE PAUL REVERE LIFE INSURANCE COMPANY | $4 | $7 | $11 | 0.01% |
| JNAZ INC3 | 145 MIDDLEVILLE ROAD NORTHPORT, NY 11768 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1 | $1 | $2 | 0.00% |
| 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 | 7.02% |
| 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 | $789 | — | $789 | 1.40% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING INC. | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $4K | — | $4K | 9.00% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING INC. | — | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S) | $2K | — | $2K | 7.10% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICE | — | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S) | $1K | — | $1K | 3.66% |
| 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 | $5 | — | $5 | 10.64% |
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 | 721 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 722 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GROUP HEALTH INCORPORATED (GHI) | 297 | $3.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 721 | $202K |
| Vision(2 contracts) | HM LIFE INSURANCE COMPANY OF NEW YORK | 293 | $24K |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S) | 307 | $33K |
| Short-term disability | SECURITY MUTUAL LIFE INSURANCE COMPANY OF NEW YORK | 472 | $56K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 280 | $43K |
| Prescription drug | GROUP HEALTH INCORPORATED (GHI) | 297 | $3.3M |
| Other(2 contracts, 2 carriers) | THE PAUL REVERE LIFE INSURANCE COMPANY | 307 | $108K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 721 | — |
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.
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.