| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL&STERLING EMPLOYEE BENEFITS | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $120K | — | $120K | 2.66% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING INC. | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $60K | $9K | $69K | 1.52% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | — | $63K | $63K | 1.39% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING INC | 110 MAIN ST POUGHKEEPSIE, NY 12601 | THE PAUL REVERE LIFE INSURANCE COMPANY | $4K | — | $4K | 4.25% |
| PERRY L KANFER3 | 525 PLUM STREET SYRACUSE, NY 13204 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | $909 | $3K | 2.99% |
| SUSAN SMITH3 | 1216 LANDRUSH WAY BALDWINSVILLE, NY 13027 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3K | $264 | $3K | 2.80% |
| BRIAN MCLAUCHLAN3 | 8214 CICERO MILLS RD CICERO, NY 13039 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | $22 | $1K | 1.49% |
| KIEHL M HUTCHINGS3 | 2149 MASTERS RD MARCELLUS, NY 13108 | THE PAUL REVERE LIFE INSURANCE COMPANY | $909 | — | $909 | 0.91% |
| AIKEN ENTERPRISES LLC3 | 341 GILLIGAN RD HUDSON, NY 12534 | THE PAUL REVERE LIFE INSURANCE COMPANY | $724 | $12 | $736 | 0.74% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL&STERLING EMPLOYEE BENEFITS | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | THE PAUL REVERE LIFE INSURANCE COMPANY | $501 | — | $501 | 0.50% |
| RONALD MARTIN BILDSTEIN3 | 135 CADILLAC STREET SYRACUSE, NY 13208 | THE PAUL REVERE LIFE INSURANCE COMPANY | $264 | — | $264 | 0.27% |
| MICHAEL L O'DONNELL3 | 133 HAZELHURST AVE N SYRACUSE, NY 13212 | THE PAUL REVERE LIFE INSURANCE COMPANY | $177 | — | $177 | 0.18% |
| CATHERINE MONTELEONE3 | 7 NORMANDY COURT COMMACK, NY 11725 | THE PAUL REVERE LIFE INSURANCE COMPANY | $177 | — | $177 | 0.18% |
| SOTERIA PARTNERS LLC3 | 1050 WALL STREET WEST LYNDHURST, NJ 07071 | THE PAUL REVERE LIFE INSURANCE COMPANY | $112 | $15 | $127 | 0.13% |
| KEVIN EDWARDS3 | 8332 MOYER CARRIAGE CICERO, NY 13039 | THE PAUL REVERE LIFE INSURANCE COMPANY | $27 | $81 | $108 | 0.11% |
| ZEBEST INC3 | 3 GORING PL WAPPINGERS FALLS, NY 12590 | THE PAUL REVERE LIFE INSURANCE COMPANY | $73 | — | $73 | 0.07% |
| SHEILA ANN WILSON3 | 36 SHARYL DR CENTRAL SQUARE, NY 13036 | THE PAUL REVERE LIFE INSURANCE COMPANY | $70 | — | $70 | 0.07% |
| MEAGAN M MARTIN3 | 517 PARK AVENUE SYRACUSE, NY 13204 | THE PAUL REVERE LIFE INSURANCE COMPANY | $27 | $30 | $57 | 0.06% |
| JNAZ INC3 | 145 MIDDLEVILLE ROAD NORTHPORT, NY 11768 | THE PAUL REVERE LIFE INSURANCE COMPANY | $35 | — | $35 | 0.04% |
| JOSEPH MONTELEONE3 | 7 NORMANDY CT COMMACK, NY 11725 | THE PAUL REVERE LIFE INSURANCE COMPANY | $30 | — | $30 | 0.03% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL&STERLING INC GROUP BENEFIT | 475 INTERNATIONAL DRIVE WILLIAMSVILLE, NY 14221 | PRINCIPAL LIFE INSURANCE COMPANY | — | $3K | $3K | 5.84% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 4.02% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING INC. | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 3.20% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL&STERLING EMPLOYEE BENEFITS | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 2.04% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL&STERLING EMPLOYEE BENEFITS | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $3K | — | $3K | 7.98% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING INC | 110 MAIN ST POUGHKEEPSIE, NY 12601 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $3K | — | $3K | 7.58% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $3K | — | $3K | 6.37% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL&STERLING EMPLOYEE BENEFITS | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $3K | — | $3K | 9.00% |
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 | 490 | 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) | 491 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 324 | $4.5M |
| Dental | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 324 | $4.5M |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 324 | $4.5M |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 280 | $42K |
| Short-term disability(2 contracts, 2 carriers) | THE PAUL REVERE LIFE INSURANCE COMPANY | 491 | $158K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 200 | $38K |
| Other(2 contracts, 2 carriers) | THE PAUL REVERE LIFE INSURANCE COMPANY | 280 | $141K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 491 | — |
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."
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.