| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING | 110 MAIN ST POUGHKEEPSIE, NY 12601 | MUTUAL OF OMAHA INSURANCE COMPANY | $7K | — | $7K | 2.08% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING | 110 MAIN ST POUGHKEEPSIE, NY 12601 | MUTUAL OF OMAHA INSURANCE COMPANY | $6K | — | $6K | 2.57% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING | 110 MAIN ST POUGHKEEPSIE, NY 12601 | COMPANION LIFE INSURANCE COMPANY | $5K | — | $5K | 5.76% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING | 110 MAIN ST POUGHKEEPSIE, NY 12601 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $2K | $2K | $4K | 7.45% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING | 110 MAIN ST POUGHKEEPSIE, NY 12601 | MUTUAL OF OMAHA INSURANCE COMPANY | $702 | — | $702 | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ZENITH AMERICAN SOLUTIONS EIN 52-1590516 NONE | Plan Administrator; Claims processing Service code 12 | — | $564K |
| EMPIRE HEALTHCHOICE ASSURANCE, INC. EIN 23-7391136 | Float revenue; Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services Service code 12 | — | $487K |
| SEI INVESTMENTS, INC. EIN 23-1707341 NONE | Contract Administrator; Custodial (securities) Service code 13 | — | $395K |
| MARSHALL & STERLING EMPLOYEE BENEFI EIN 14-1769291 | Claims processing Service code 12 | — | $290K |
| KEYBANK NATIONAL ASSOCIATION EIN 34-1974250 NONE | Custodial (securities); Shareholder servicing fees Service code 19 | — | $53K |
| TEAL, BECKER AND CHIARAMONTE, CPAS EIN 14-1624930 NONE | Accounting (including auditing) Service code 10 | — | $47K |
| BOLTON PARTNERS, INC. EIN 52-1231144 NONE | Actuarial Service code 11 | — | $30K |
| POZEFSKY, BRAMLEY, & MURPHY EIN 14-1601487 NONE | Legal Service code 29 | — | $20K |
| NOVAK FRANCELLA EIN 61-1436956 NONE | Accounting (including auditing) Service code 10 | — | $17K |
| CARELONRX, INC. EIN 82-3062245 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Other services; Claims processing; Float revenue Service code 12 | — | $13K |
| COUCH DALE MARSHALL PC EIN 56-2331238 NONE | Legal Service code 29 | — | $6K |
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 | 1,248 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 187 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 375 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,810 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 1,251 | $53K |
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 1,712 | $90K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 1,129 | $327K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 1,136 | $246K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE CO. | 1,131 | $670K |
| Other | MUTUAL OF OMAHA INSURANCE COMPANY | 1,153 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,712 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.