| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING | 110 MAIN ST POUGHKEEPSIE, NY 12601 | SUN LIFE AND MERITAIN HEALTH COMPANY (U.S.) | $303K | $26K | $329K | 16.30% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING INC | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | AETNA LIFE INSURANCE CO. | $8K | — | $8K | 1.82% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING | P.O. BOX 3128 KINGSTON, NY 12402 | FIRST UNUM LIFE INSURANCE COMPANY | $6K | — | $6K | 1.87% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING INC | P.O. BOX 3128 KINGSTON, NY 12402 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | — | $2K | 1.86% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING INC | P.O. BOX 3128 KINGSTON, NY 12402 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | — | $1K | 1.62% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $6K | — | $6K | 8.44% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING | 110 MAIN ST POUGHKEEPSIE, NY 12601 | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $10 | — | $10 | 10.87% |
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 | 1,539 | 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) | 1,540 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO. | 1,303 | $456K |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | 1,340 | $70K |
| Life insurance(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 1,539 | $427K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 1,539 | $301K |
| Long-term disability(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 1,539 | $382K |
| Stop-loss / reinsurancereinsurance | SUN LIFE AND MERITAIN HEALTH COMPANY (U.S.) | 992 | $2.0M |
| Other | FIRST UNUM LIFE INSURANCE COMPANY | 1,539 | $301K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,539 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.