| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREATER METRO AGENCY INC3 Filed as: GREATER METRO AGENCY INC. | 1000 WOODBURY ROAD STE 403 WOODBURY, NY 11797 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $7K | — | $7K | 4.10% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL AND STERLING INC. | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $6K | — | $6K | 3.40% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING INC. | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $5K | — | $5K | 5.28% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING INC. | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $4K | — | $4K | 5.78% |
| GREATER METRO AGENCY INC3 Filed as: GREATER METRO AGENCY INC. | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $3K | — | $3K | 4.12% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL AND STERLING INC. | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $18 | — | $18 | 5.66% |
| GREATER METRO AGENCY INC3 Filed as: GREATER METRO AGENCY INC. | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $13 | — | $13 | 4.09% |
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 | 680 | 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) | 680 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 683 | $77K |
| Short-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 1,474 | $86K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 683 | $166K |
| Other | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 683 | $318 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,474 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.