| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING, INC | 110 MAIN ST POUGHKEEPSIE, NY 12601 | UNITEDHEALTHCARE INSURANCE COMPANY | $156K | — | $156K | 3.67% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL&STERLING EMPLOYEE BENEFITS | 110 MAIN ST POUGHKEEPSIE, NY 12601 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | — | $15K | 5.72% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING INC | 30 CORPORATE DR CLIFTON PARK, NY 12065 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | — | $11K | 4.21% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER ROAD, SUITE 900 HOUSTON, TX 77056 | METROPOLITAN LIFE INSURANCE COMPANY | — | $532 | $532 | 0.21% |
| ALLIANT INSURANCE SERVICES, INC.3 | 101 PARK AVENUE, 12TH FLOOR NEW YORK, NY 10178 | METROPOLITAN LIFE INSURANCE COMPANY | $165 | — | $165 | 0.06% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING INC | 110 MAIN ST POUGHKEEPSIE, NY 12601 | VISION SERVICE PLAN | $2K | — | $2K | 4.74% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL&STERLING EMPLOYEE BENEFITS | 110 MAIN ST POUGHKEEPSIE, NY 12601 | VISION SERVICE PLAN | $681 | — | $681 | 2.00% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | VISION SERVICE PLAN | -$3K | — | -$3K | -7.46% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | PO BOX 8299 PASADENA, CA 91109 | VISION SERVICE PLAN | -$5K | — | -$5K | -15.14% |
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 | 330 | 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) | 335 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 493 | $4.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 453 | $256K |
| Vision | VISION SERVICE PLAN | 162 | $34K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 335 | $174K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 335 | $174K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 335 | $174K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 493 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.