| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING INC | 110 MAIN ST POUGHKEEPSIE, NY 12601 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $238K | $19K | $256K | 8.94% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING INC | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | AETNA LIFE INSURANCE CO. | $11K | — | $11K | 1.96% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING | P.O. BOX 3128 KINGSTON, NY 12402 | FIRST UNUM LIFE INSURANCE COMPANY | $11K | — | $11K | 2.00% |
| CLEAR INS BENEFITS/JAMES D PETERSEN3 | 24 SOUTH 1100 EAST #306 SALT LAKE CITY, UT 84012 | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | $16K | — | $16K | 6.00% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING INC | P.O. BOX 3128 KINGSTON, NY 12402 | FIRST UNUM LIFE INSURANCE COMPANY | $5K | — | $5K | 2.00% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING INC | P.O. BOX 3128 KINGSTON, NY 12402 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | — | $3K | 2.00% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $11K | — | $11K | 10.36% |
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 | 1,798 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,806 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 1,806 | $852K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | 2,003 | $105K |
| Life insurance(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 1,802 | $816K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 1,802 | $556K |
| Long-term disability(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 1,802 | $689K |
| Stop-loss / reinsurancereinsurance | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 1,332 | $2.9M |
| Other | FIRST UNUM LIFE INSURANCE COMPANY | 1,802 | $556K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,003 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.