| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING EMP BNFTS | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $6K | — | $6K | 1.63% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING EMP BNFTS | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $6K | — | $6K | 2.35% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING EMP BNFTS | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $5K | — | $5K | 2.02% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING EMP BNFTS | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $20K | — | $20K | 15.00% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | GUARDIAN GROUP LIFE INSURANCE COMPANY OF AMERICA | $8K | $4K | $13K | 15.02% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | GUARDIAN GROUP LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 3.44% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | EMPIRE HEALTHCHOICE ASSURANCE, INC | $2K | $2K | $5K | 7.92% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING EMP BNFTS | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $3K | — | $3K | 15.00% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | EMPLOYEE SERVICES LLC | $908 | — | $908 | 5.03% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | DELTA DENTAL OF NEW YORK | $7K | — | $7K | — |
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 | 755 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | 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 |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW YORK | 571 | $0 |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC | 521 | $60K |
| Life insurance | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 683 | $239K |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 672 | $345K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 672 | $243K |
| Other(5 contracts, 3 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 760 | $493K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 760 | — |
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.