| 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) | $156K | — | $156K | 4.00% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING INC. | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $108 | $13K | 6.03% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING INC. | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | THE PAUL REVERE LIFE INSURANCE COMPANY | $4K | — | $4K | 4.68% |
| BRIAN MCLAUCHLAN3 | 303 FOREST DR NORTH SYRACUSE, NY 13212 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | $81 | $2K | 2.07% |
| AIKEN ENTERPRISES LLC3 | 341 GILLIGAN RD HUDSON, NY 12534 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | $141 | $1K | 1.86% |
| RONALD MARTIN BILDSTEIN3 | 135 CADILLAC STREET SYRACUSE, NY 13208 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | $23 | $1K | 1.78% |
| SUSAN SMITH3 | 1216 LANDRUSH WAY BALDWINSVILLE, NY 13027 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | $36 | $1K | 1.76% |
| KIEHL M HUTCHINGS3 | 2149 MASTERS RD MARCELLUS, NY 13108 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | — | $1K | 1.42% |
| SHEILA ANN WILSON3 | 36 SHARYL DRIVE CENTRAL SQUARE, NY 13036 | THE PAUL REVERE LIFE INSURANCE COMPANY | $316 | $56 | $372 | 0.50% |
| KEVIN EDWARDS3 | 8332 MOYER CARRIAGE CICERO, NY 13039 | THE PAUL REVERE LIFE INSURANCE COMPANY | $90 | $148 | $238 | 0.32% |
| MICHAEL L O'DONNELL3 | 133 HAZELHURST AVE N SYRACUSE, NY 13212 | THE PAUL REVERE LIFE INSURANCE COMPANY | $229 | — | $229 | 0.31% |
| MEAGAN M MARTIN3 | 6151 DIFFIN RD CICERO, NY 13039 | THE PAUL REVERE LIFE INSURANCE COMPANY | $90 | $114 | $204 | 0.27% |
| CATHERINE MONTELEONE3 | 7 NORMANDY COURT COMMACK, NY 11725 | THE PAUL REVERE LIFE INSURANCE COMPANY | $102 | $21 | $123 | 0.16% |
| MEGAN Z CULVER3 | 3 GORING PL WAPPINGERS FALLS, NY 12590 | THE PAUL REVERE LIFE INSURANCE COMPANY | $80 | — | $80 | 0.11% |
| JNAZ INC3 | 145 MIDDLEVILLE ROAD NORTHPORT, NY 11768 | THE PAUL REVERE LIFE INSURANCE COMPANY | $56 | $2 | $58 | 0.08% |
| JOSEPH MONTELEONE3 | 7 NORMANDY CT COMMACK, NY 11725 | THE PAUL REVERE LIFE INSURANCE COMPANY | $47 | — | $47 | 0.06% |
| SHANNON DIARRA SHEPPARD3 | 1 VAUGHN WAY BURLINGTON, NJ 08016 | THE PAUL REVERE LIFE INSURANCE COMPANY | $14 | — | $14 | 0.02% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING INC. | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 6.38% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING INC. | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | LINCOLN 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) | $5K | — | $5K | 12.43% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICE | — | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S) | $3K | — | $3K | 6.40% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING INC. | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | HM LIFE INSURANCE COMPANY OF NEW YORK | $3K | — | $3K | 10.00% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING INC. | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | HM LIFE INSURANCE COMPANY OF NEW YORK | $0 | — | $0 | — |
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 | 759 | 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) | 760 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GROUP HEALTH INCORPORATED (GHI) | 317 | $3.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 759 | $218K |
| Vision(2 contracts) | HM LIFE INSURANCE COMPANY OF NEW YORK | 307 | $27K |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S) | 325 | $40K |
| Short-term disability(2 contracts, 2 carriers) | THE PAUL REVERE LIFE INSURANCE COMPANY | 505 | $137K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 265 | $48K |
| Prescription drug | GROUP HEALTH INCORPORATED (GHI) | 317 | $3.9M |
| Other(2 contracts, 2 carriers) | THE PAUL REVERE LIFE INSURANCE COMPANY | 325 | $115K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 759 | — |
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.