| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING INC | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $53K | $11K | $64K | 12.97% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING INC | 110 MAIN ST POUGHKEEPSIE, NY 12601 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $58K | $5K | $63K | 41.45% |
| EDDY A SLOSHOWER3 | 40 BRANDY LANE WAPPINGERS FALLS, NY 12590 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $2K | — | $2K | 4.00% |
| NANCY SCHNEIDER3 Filed as: NANCY H SCHNEIDER | 2591 SOUTH AVE WAPPINGERS FALLS, NY 12590 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $905 | — | $905 | 1.77% |
| NANCY PENA-KOHOUT3 | 2 BIRCHWAY DRIVE STONEY POINT, NY 10980 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $372 | — | $372 | 0.73% |
| BLUE CHARLES3 | 300 WESTAGE BUSINESS CENTER SUITE 410 FISHKILL, NY 12524 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $12 | — | $12 | 0.02% |
| EMPLOYEE FAMILY PROTECTION INC3 Filed as: EMPLOYEE FAMILY PROTECTION, INC. | PO BOX 1237 GLASTONBURY, CT 06033 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $3K | — | $3K | 6.26% |
| ROSE & KIERNAN INC3 | 99 TROY RD 3RD FLOOR EAST GREENBUSH, NY 12061 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $1K | — | $1K | 3.41% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING INC | 110 MAIN ST POUGHKEEPSIE, NY 12601 | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | $3K | $543 | $3K | 18.38% |
| ROSE & KIERNAN INC3 | 99 TROY RD EAST GREENBUSH, NY 12061 | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | $273 | — | $273 | 1.62% |
| ACRISURE LLC3 | 40 CORPORATE AVE PLAINVILLE, CT 06062 | THE PAUL REVERE LIFE INSURANCE COMPANY | $148 | — | $148 | 2.05% |
| PATRICK J ROHAN3 | 35 MAIN STREET POUGHKEEPSIE, NY 12601 | THE PAUL REVERE LIFE INSURANCE COMPANY | $93 | — | $93 | 1.29% |
| BRIAN STEBBINS3 | 1707 NORTH HAMPTON ST HOLYOKE, MA 01040 | THE PAUL REVERE LIFE INSURANCE COMPANY | $55 | — | $55 | 0.76% |
| ROSE & KIERNAN INC3 | PO BOX 640 EAST GREENBUSH, NY 12061 | THE PAUL REVERE LIFE INSURANCE COMPANY | $37 | — | $37 | 0.51% |
| FLEURY ENTERPRISES INC3 | 162 INDIAN POINT RD TIVERTON, RI 02878 | THE PAUL REVERE LIFE INSURANCE COMPANY | $32 | — | $32 | 0.44% |
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 | 186 | 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) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 182 | $152K |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 182 | $152K |
| Life insurance(4 contracts, 4 carriers) | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | 49 | $115K |
| Short-term disability | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | 49 | $40K |
| Long-term disability | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 41 | $17K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 186 | $645K |
| Other(4 contracts, 4 carriers) | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | 49 | $115K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 186 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.