| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING, INC. | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | XCHANGE BENEFITS | $38K | — | $38K | 15.47% |
| INTERNATIONAL BENEFITS ADMIN3 Filed as: INTERNATIONAL BENEFITS ADMIN. LLC | 100 GARDENT CITY PLAZA SUITE 102 GARDEN CITY, NY 11530 | XCHANGE BENEFITS | $36K | — | $36K | 14.91% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS. SERVICES LLC | 261 MADISON AVENUE 6TH FLOOR NEW YORK, NY 10016 | MUTUAL OF OMAHA INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING INC. | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | MVP HEALTH CARE | $0 | — | $0 | 0.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS. SERVICES LLC | 11 HANOVER SQUARE NEW YORK, NY 10005 | MUTUAL OF OMAHA INSURANCE COMPANY | $232 | — | $232 | 9.98% |
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 | 278 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 278 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | MVP HEALTH CARE | 278 | $10K |
| Life insurance | MUTUAL OF OMAHA INSURANCE COMPANY | 138 | $28K |
| Stop-loss / reinsurancereinsurance | XCHANGE BENEFITS | 164 | $243K |
| Other | MUTUAL OF OMAHA INSURANCE COMPANY | 138 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 278 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.