| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING EMP BENEFITS | 110 MAIN STREET POUGHKEEPSIE, NY 126016707 | METROPOLITAN LIFE INSURANCE COMPANY | $31K | — | $31K | 3.20% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INS SERICES INC | 401 BROADHOLLOW RD FL 3 STE 303 MELVILLE, NY 117474721 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 0.90% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL AND STERLING E. BENEFITS | 110 MAIN STREET POUGHKEEPSIE, NY 126016707 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 1.23% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL AND STERLING E. BENEFITS | 110 MAIN STREET POUGHKEEPSIE, NY 126016707 | METROPOLITAN GENERAL INSURANCE COMPANY | $5K | — | $5K | 11.04% |
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 | 1,769 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,769 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | STATE OF NEW YORK, DEPARTMENT OF CIVIL SERVICE | 1,329 | $15.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,769 | $968K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,769 | $968K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,769 | $968K |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,769 | $1.3M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,769 | $968K |
| Prescription drug | STATE OF NEW YORK, DEPARTMENT OF CIVIL SERVICE | 1,329 | $15.4M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,769 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,769 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.