| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 60694 | HIGHMARK WESTERN AND NORTHEASTERN NY INC | $38K | — | $38K | 3.65% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES, INC | 30 CENTURY HILL SUITE 200 LATHAM, NY 12110 | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | $17K | — | $17K | 11.42% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 44 LIBERTY CENTER AVE PITTSBURGH, PA 15222 | HIGHMARK NORTHEASTERN NY | $2K | — | $2K | 7.43% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL AND STERLING EMPLOYEE BEN | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | COMPANION LIFE INSURANCE COMPANY | $1K | $259 | $2K | 12.08% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL AND STERLING EMPLOYEE BENE | 30 CORPORATE DR CLIFTON PARK, NY 12065 | THE PAUL REVERE LIFE INSURANCE COMPANY | $877 | — | $877 | 12.40% |
| BMB BENEFITS GROUP INC3 | 334 GRAY STREET HERKIMER, NY 13350 | THE PAUL REVERE LIFE INSURANCE COMPANY | $483 | — | $483 | 6.83% |
| DONALD H MATSON3 | 8 ROSEWOOD DR AUBURN, NY 13021 | THE PAUL REVERE LIFE INSURANCE COMPANY | $175 | — | $175 | 2.47% |
| LORRAINE RHODES3 | 4A KENSINGTON CT CLIFTON PARK, NY 12065 | THE PAUL REVERE LIFE INSURANCE COMPANY | $15 | — | $15 | 0.21% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL AND STERLING EMPLOYEE BEN | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | COMPANION LIFE INSURANCE COMPANY | $373 | $170 | $543 | 14.56% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL AND STERLING EMPLOYEE BEN | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | EYEMED VISION CARE | $235 | — | $235 | 9.75% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL AND STERLING EMPLOYEE BEN | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | MUTUAL OF OMAHA INSURANCE COMPANY | $138 | $29 | $167 | 12.09% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL AND STERLING EMPLOYEE BEN | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | MUTUAL OF OMAHA INSURANCE COMPANY | $16 | $5 | $21 | 12.88% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SUN LIFE AND HEALTH INSURANCE CO. EIN 06-0893662 | Other fees; Claims processing Service code 12 | — | $0 |
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 | 108 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 48 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HIGHMARK WESTERN AND NORTHEASTERN NY INC | 114 | $1.2M |
| Vision | EYEMED VISION CARE | 34 | $2K |
| Life insurance(5 contracts, 3 carriers) | COMPANION LIFE INSURANCE COMPANY | 114 | $25K |
| Prescription drug(3 contracts, 3 carriers) | HIGHMARK WESTERN AND NORTHEASTERN NY INC | 114 | $1.2M |
| Other(2 contracts) | MUTUAL OF OMAHA INSURANCE COMPANY | 114 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 114 | — |
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.