| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSHALL & STERLING EMPLOYEE BENEFI Filed as: MARSHALL & STERLING, INC. | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | EMBLEM HEALTH | $42K | — | $42K | 4.00% |
| FNA INSURANCE SERVICES INC | 1000 WOODBURY ROAD STE 403 WOODBURY, NY 11797 | EMBLEM HEALTH | — | — | $0 | 0.00% |
| MARSHALL & STERLING EMPLOYEE BENEFI Filed as: MARSHALL & STERLING, INC. | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | UNITED HEALTH CARE INSURANCE COMPANY | $18K | — | $18K | 3.44% |
| FNA INSURANCE SERVICES INC | 1000 WOODBURY ROAD STE 403 WOODBURY, NY 11797 | UNITED HEALTH CARE INSURANCE COMPANY | — | $5K | $5K | 0.89% |
| MARSHALL & STERLING EMPLOYEE BENEFI Filed as: MARSHALL & STERLING, INC. | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | SHELTER POINT LIFE INSURANCE COPANY | $5K | — | $5K | 4.79% |
| FNA INSURANCE SERVICES INC | 180 RIVER ROAD FL 2 SUMMIT, NJ 07901 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $2K | $6K | 16.98% |
| WAG NY INC | 250 CROSSWAYS PK DR WOODBURY, NY 11797 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12 | — | $12 | 0.04% |
| MARSHALL & STERLING EMPLOYEE BENEFI Filed as: MARSHALL & STERLING, INC. | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | $718 | — | $718 | 15.01% |
| FNA INSURANCE SERVICES INC | 1000 WOODBURY ROAD STE 403 WOODBURY, NY 11797 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | — | $239 | $239 | 5.00% |
| MARSHALL & STERLING EMPLOYEE BENEFI Filed as: MARSHALL & STERLING, INC. | PO BOX 3128 KINGSTON, NY 12402 | VSP | — | $92 | $92 | 9.14% |
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 | 134 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 134 | Active + retired/separated + beneficiaries. No dependents. |
No Schedule A insurance contracts on this filing — typical of fully self-funded plans, where the only headcount is the Form 5500 number above.
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.