| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | EMBLEM HEALTH | $84K | $0 | $84K | 1.99% |
| PILOT BENEFITS GROUP LLC3 Filed as: PILOT BENEFIT GROUP, LLC | 35 PINELAWN ROAD SUITE 105E MELVILLE, NY 11747 | EMBLEM HEALTH | $52K | $0 | $52K | 1.22% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $13K | $6K | $19K | 6.99% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES INC. | 1065 AVE OF THE AMERICAS NEW YORK, NY 10018 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $0 | $12K | $12K | 4.25% |
| PILOT BENEFITS GROUP LLC3 | 275 BROAD HOLLOW RD #432 MELVILLE, NY 11747 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $6K | $0 | $6K | 2.25% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN ROAD SUITE 105E MELVILLE, NY 11747 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $4K | $0 | $4K | 3.31% |
| PILOT BENEFITS GROUP LLC3 Filed as: PILOT BENEFITS GROUP | 35 PINELAWN ROAD SUITE 105E MELVILLE, NY 11747 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 6.86% |
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 | 206 | 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) | 207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMBLEM HEALTH | 165 | $4.2M |
| Dental | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 410 | $274K |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 410 | $274K |
| Life insurance | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 206 | $129K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 160 | $69K |
| Prescription drug | EMBLEM HEALTH | 165 | $4.2M |
| Other(2 contracts, 2 carriers) | EMBLEM HEALTH | 206 | $4.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 410 | — |
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.