| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRICK J ROHAN Filed as: PATRICK F MALLEOLO | 110 MAIN ST POUGHKEEPSIE, NY 12601 | EMPIRE | $21K | — | $21K | 1.51% |
| LAWLEY BENEFITS GROUP LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | EMPIRE | $16K | — | $16K | 1.19% |
| MARSHALL & STERLING EMPLOYEE BENEFI Filed as: MARSHALL & STERLING INC | 110 MAIN ST. POUGHKEEPSIE, NY 12601 | EMPIRE | $8K | — | $8K | 0.59% |
| LAWLEY BENEFITS GROUP LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | EMPIRE | $251 | — | $251 | 0.02% |
| MARSHALL & STERLING EMPLOYEE BENEFI Filed as: MARSHALL & STERLING INC | 110 MAIN ST. POUGHKEEPSIE, NY 12601 | EMPIRE | $56 | — | $56 | 0.00% |
| LAWLEY BENEFITS GROUP LLC Filed as: LAWLEY SERVICE INC | 361 DELAWARE AVE BUFFALO, NY 14202 | EMPIRE | $3K | — | $3K | 3.71% |
| MARSHALL & STERLING EMPLOYEE BENEFI Filed as: MARSHALL AND STERLING INC | 205 ST. PAUL ST ROCHESTER, NY 14604 | EMPIRE | $223 | — | $223 | 0.29% |
| FNA INSURANCE SERVICES INC Filed as: FNA INSURANCE SERVICES | 1000 WOODBURY RD #403 WOODBURY, NY 11797 | EMPIRE | $223 | — | $223 | 0.29% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY SERVICE INC | 361 DELAWARE AVE BUFFALO, NY 14202 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $4K | — | $4K | 9.71% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND CO INC | 261 MADISON AVE STE 602 NEW YORK, NY 10016 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $273 | — | $273 | 0.75% |
| MARSHALL & STERLING EMPLOYEE BENEFI Filed as: MARSHALL & STERLING | 110 MAIN ST POUGHKEEPSIE, NY 12601 | ANTHEM | $3K | — | $3K | 15.00% |
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 | 117 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE | 83 | $1.4M |
| Dental | EMPIRE | 73 | $77K |
| Vision | EMPIRE | 83 | $1.4M |
| Life insurance | ANTHEM | 117 | $19K |
| Long-term disability | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 114 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 117 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.