| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING INC. | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 5.41% |
| FNA INSURANCE SERVICES INC3 | 401 BROADHOLLOW RD SUITE 303 MELVILLE, NY 11747 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $2K | $2K | 4.96% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | ANTHEM LIFE AND DISABILITY INS CO | $6K | — | $6K | 20.15% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | ANTHEM LIFE AND DISABILITY INS CO | $2K | $105 | $2K | 6.72% |
| PROFESSIONAL PENSIONS INC3 Filed as: PROFESSIONAL PENSIONS INC. | 10 RESEARCH PKWY WALLINGFORD, CT 06492 | ANTHEM LIFE AND DISABILITY INS CO | — | $1K | $1K | 3.65% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 200 PARK AVE 32ND FL NEW YORK, NY 10166 | ANTHEM LIFE AND DISABILITY INS CO | -$315 | — | -$315 | -1.08% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | ANTHEM LIFE AND DISABILITY INS CO | $3K | — | $3K | 16.48% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | ANTHEM LIFE AND DISABILITY INS CO | $974 | $48 | $1K | 5.50% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | ANTHEM LIFE AND DISABILITY INS CO | — | $451 | $451 | 2.43% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY)INC. | 200 PARK AVE 32ND FL NEW YORK, NY 10166 | ANTHEM LIFE AND DISABILITY INS CO | -$143 | — | -$143 | -0.77% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | ANTHEM LIFE AND DISABILITY INS CO | $2K | — | $2K | 17.43% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | ANTHEM LIFE AND DISABILITY INS CO | $663 | $54 | $717 | 5.81% |
| PROFESSIONAL PENSIONS INC3 Filed as: PROFESSIONAL PENSIONS INC. | 10 RESEARCH PKWY WALLINGFORD, CT 06492 | ANTHEM LIFE AND DISABILITY INS CO | — | $387 | $387 | 3.14% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES(NY) LLC | 200 PARK AVE 32ND FL NEW YORK, NY 10166 | ANTHEM LIFE AND DISABILITY INS CO | -$163 | — | -$163 | -1.32% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | ANTHEM BLUE CROSS | $434 | $78 | $512 | 9.80% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | ANTHEM BLUE CROSS | — | $246 | $246 | 4.71% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING INC. | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $228 | — | $228 | 10.00% |
| FNA INSURANCE SERVICES INC3 | 401 BROADHOLLOW RD SUITE 303 MELVILLE, NY 11747 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | — | $114 | $114 | 5.00% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING INC. | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | CIGNA DENTAL HEALTH OF NORTH CAROLINA, INC. | $94 | — | $94 | 9.97% |
| FNA INSURANCE SERVICES INC3 | 401 BROADHOLLOW RD SUITE 303 MELVILLE, NY 11747 | CIGNA DENTAL HEALTH OF NORTH CAROLINA, INC. | — | $47 | $47 | 4.98% |
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 | 117 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 58 | $39K |
| Vision | ANTHEM BLUE CROSS | 54 | $5K |
| Life insurance | ANTHEM LIFE AND DISABILITY INS CO | 117 | $29K |
| Short-term disability | ANTHEM LIFE AND DISABILITY INS CO | 32 | $19K |
| Long-term disability | ANTHEM LIFE AND DISABILITY INS CO | 25 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 117 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.