| 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.) | $49K | $10K | $59K | 10.16% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING EE BENEFITS INC | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $9K | — | $9K | 1.59% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING INC | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $5K | $5K | $10K | 8.47% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING EE BENEFITS INC | 110 MAIN ST POUGHKEEPSIE, NY 12601 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $472 | — | $472 | 0.40% |
| EDDY A SLOSHOWER3 | 40 BRANDY LANE WAPPINGERS FALLS, NY 12590 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $1K | — | $1K | 3.63% |
| MELISSA EVANS3 | 53 ROUTE 17K STE 10 NEWBURGH, NY 12550 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $577 | — | $577 | 1.50% |
| NANCY PENA-KOHOUT3 | 2 BIRCHWAY DRIVE STONEY POINT, NY 10980 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $22 | — | $22 | 0.06% |
| BLUE CHARLES3 | 300 WESTAGE BUSINESS CENTER SUITE 410 FISHKILL, NY 12524 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $1 | — | $1 | 0.00% |
| EMPLOYEE FAMILY PROTECTION INC3 Filed as: EMPLOYEE FAMILY PROTECTION, INC. | PO BOX 1237 GLASTONBURY, CT 06033 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $2K | — | $2K | 6.22% |
| ROSE & KIERNAN INC3 | 99 TROY RD EAST GREENBUSH, NY 12061 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $1K | — | $1K | 3.33% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING INC | 110 MAIN ST POUGHKEEPSIE, NY 12601 | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | $3K | $706 | $4K | 17.80% |
| ACRISURE LLC3 | DBA HEALTH CONSULTANTS GROUP PLAINVILLE, CT 06062 | THE PAUL REVERE LIFE INSURANCE COMPANY | $106 | — | $106 | 1.80% |
| BRIAN STEBBINS3 | 1707 NORTH HAMPTON ST HOLYOKE, MA 01040 | THE PAUL REVERE LIFE INSURANCE COMPANY | $43 | — | $43 | 0.73% |
| ROSE & KIERNAN INC3 | PO BOX 640 EAST GREENBUSH, NY 12061 | THE PAUL REVERE LIFE INSURANCE COMPANY | $37 | — | $37 | 0.63% |
| FLEURY ENTERPRISES INC3 | 162 INDIAN POINT RD TIVERTON, RI 02878 | THE PAUL REVERE LIFE INSURANCE COMPANY | $25 | — | $25 | 0.42% |
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 | 188 | 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) | 188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 146 | $117K |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 146 | $117K |
| Life insurance(4 contracts, 4 carriers) | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | 49 | $96K |
| Short-term disability | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | 33 | $30K |
| Long-term disability | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 49 | $21K |
| Stop-loss / reinsurancereinsurance | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 188 | $584K |
| Other(4 contracts, 4 carriers) | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | 49 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.