| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL&STERLING EMPLOYEE BENEFITS | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | ANTHEM BLUE CROSS | $69K | $2K | $71K | 27.13% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | ANTHEM BLUE CROSS | — | $17K | $17K | 6.69% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL&STERLING EMPLOYEE BENEFITS | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | ANTHEM BLUE CROSS | $3K | — | $3K | 15.42% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | ANTHEM BLUE CROSS | — | $2K | $2K | 7.79% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL&STERLING EMPLOYEE BENEFITS | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | UNICARE LIFE AND HEALTH INSURANCE COMPANY | $371 | — | $371 | — |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY RD STE 403 WOODBURY, NY 11797 | UNICARE LIFE AND HEALTH INSURANCE COMPANY | — | $144 | $144 | — |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL&STERLING EMPLOYEE BENEFITS | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | UNICARE LIFE AND HEALTH INSURANCE COMPANY | $388 | — | $388 | — |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY RD STE 403 WOODBURY, NY 11797 | UNICARE LIFE AND HEALTH INSURANCE COMPANY | — | $108 | $108 | — |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL&STERLING EMPLOYEE BENEFITS | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | UNICARE LIFE AND HEALTH INSURANCE COMPANY | $299 | — | $299 | — |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY RD STE 403 WOODBURY, NY 11797 | UNICARE LIFE AND HEALTH INSURANCE COMPANY | — | $279 | $279 | — |
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 | 294 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 300 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ANTHEM BLUE CROSS | 194 | $261K |
| Vision | ANTHEM BLUE CROSS | 194 | $261K |
| Life insurance(2 contracts, 2 carriers) | ANTHEM BLUE CROSS | 300 | $20K |
| Short-term disability(2 contracts, 2 carriers) | ANTHEM BLUE CROSS | 275 | $20K |
| Long-term disability(2 contracts, 2 carriers) | ANTHEM BLUE CROSS | 275 | $20K |
| Other(2 contracts, 2 carriers) | ANTHEM BLUE CROSS | 300 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 300 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.