| 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 | $8K | $6K | $14K | 3.34% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING | 110 MAIN ST POUGHKEEPSIE, NY 12601 | MUTUAL OF OMAHA INSURANCE COMPANY | $6K | $5K | $12K | 5.43% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING | 110 MAIN ST POUGHKEEPSIE, NY 12601 | COMPANION LIFE INSURANCE COMPANY | $5K | $2K | $7K | 7.90% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING | 110 MAIN ST POUGHKEEPSIE, NY 12601 | ANTHEM BLUE CROSS AND BLUE SHIELD | $3K | $603 | $3K | 4.88% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING | 110 MAIN ST POUGHKEEPSIE, NY 12601 | MUTUAL OF OMAHA INSURANCE COMPANY | $687 | $174 | $861 | 12.53% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ZENITH AMERICAN SOLUTIONS EIN 52-1590516 NONE | Claims processing; Plan Administrator Service code 12 | — | $539K |
| ANTHEM BLUE CROSS AND BLUE SHIELD EIN 23-7391136 | Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Contract Administrator; Other services Service code 12 | — | $517K |
| SEI INVESTMENT MANAGEMENT CORP. EIN 23-1707341 NONE | Contract Administrator; Custodial (securities) Service code 13 | — | $347K |
| MARSHALL & STERLING EMPLOYEE BENEFI EIN 14-1769291 | Claims processing Service code 12 | — | $301K |
| SLEVIN & HART, P.C. EIN 52-1708613 NONE | Legal Service code 29 | — | $57K |
| KEYBANK NATIONAL ASSOCIATION EIN 34-1974250 NONE | Custodial (securities); Shareholder servicing fees Service code 19 | — | $56K |
| 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 | — | $42K |
| MILLIMAN, INC. EIN 91-0675641 NONE | Actuarial Service code 11 | — | $30K |
| POZEFSKY, BRAMLEY, & MURPHY EIN 14-1601487 NONE | Legal Service code 29 | — | $19K |
| NOVAK FRANCELLA LLC EIN 61-1436956 NONE | Accounting (including auditing) Service code 10 | — | $8K |
| COUCH DALE MARSHALL PC EIN 56-2331238 NONE | Legal Service code 29 | — | $8K |
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 | 1,201 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 202 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 398 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,801 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ANTHEM BLUE CROSS AND BLUE SHIELD | 1,474 | $64K |
| Vision | ANTHEM BLUE CROSS AND BLUE SHIELD | 1,474 | $64K |
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 1,700 | $95K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 1,099 | $412K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 1,115 | $217K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE CO. | 1,133 | $731K |
| Other | MUTUAL OF OMAHA INSURANCE COMPANY | 1,122 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,700 | — |
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."
No prospect flags tripped on this filing.