| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING INC. | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | MVP HEALTH CARE | $45K | — | $45K | 4.84% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING INC. | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | DELTA DENTAL OF NEW YORK | $3K | — | $3K | 4.00% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING INC. | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | MVP HEALTH CARE | $3K | — | $3K | 4.86% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING INC. | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $3K | $553 | $3K | 11.38% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES INC. | 1000 WOODBURY RD. SUITE 403 WOODBURY, NY 11797 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $1K | — | $1K | 4.00% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING INC. | 280 N BEDFORD RD STE 104 MOUNT KISCO, NY 10549 | AFLAC | $3K | — | $3K | 12.49% |
| DANIEL H BARRY3 | 46 ESOPUS DR CLIFTON PARK, NY 12065 | AFLAC | $2K | — | $2K | 11.52% |
| MICHELLE NOLAN3 | 46 ESOPUS DRIVE CLIFTON PARK, NY 12065 | AFLAC | $842 | — | $842 | 3.93% |
| DANIEL H BARRY3 | 59 KRIPPLEBUSH CREEK ROAD STONE RIDGE, NY 12484 | AFLAC | $581 | — | $581 | 2.71% |
| DANIEL H BARRY3 | 59 KRIPPLEBUSH CREEK RD STONE RIDGE, NY 12484 | AFLAC | $481 | — | $481 | 2.24% |
| NICHOLAS MCELROY3 | PO BOX 1068 MONROE, NY 10949 | AFLAC | $474 | — | $474 | 2.21% |
| JASON SCZEPANIAK3 Filed as: JASON HARTMAN | 225 DOLSON AVE STE 304 MIDDLETOWN, NY 10940 | AFLAC | $277 | — | $277 | 1.29% |
| MELISSA ANN STEWART3 | 36 WINCOMA LN QUEENSBURY, NY 12804 | AFLAC | $255 | — | $255 | 1.19% |
| ULSTER INSURANCE SERVICES, INC.3 Filed as: ULSTER INSURANCE SERVICES INC | 95 SCHWENK DRIVE PO BOX 3995 KINGSTON, NY 12402 | AFLAC | $29 | — | $29 | 0.14% |
| NIKOLA J. DJAKOV3 | 88-50 AUBREY AVENUE GLENDALE, NY 11385 | AFLAC | $21 | — | $21 | 0.10% |
| SUSAN C BRIMHALL3 | 3921 CAPE SAN BLAS RD PORT SAINT JOE, FL 32456 | AFLAC | $17 | — | $17 | 0.08% |
| JULIE SLAUGHTER3 | 31211 GRANDON ST LIVONIA, MI 48150 | AFLAC | $14 | — | $14 | 0.07% |
| PHILIP W CIRAULO3 | 2533 AUGUSTINE AVENUE SCHENECTADY, NY 12306 | AFLAC | $13 | — | $13 | 0.06% |
| JEANNINE M CAPPUSO3 Filed as: JEANNINE M. CAPPUSO | 6421 CONGRESS AVE STE 100 BOCA RATON, FL 33487 | AFLAC | $13 | — | $13 | 0.06% |
| NICHOLAS J SIALMAS3 | 1207 ROUTE 9 SUITE 1-C WAPPINGERS FALLS, NY 12590 | AFLAC | $11 | — | $11 | 0.05% |
| DAVID A COLLISON3 | 46 JOHNSTONE LANE GEORGETOWN, SC 29440 | AFLAC | $10 | — | $10 | 0.05% |
| BETH SERFILIPPI3 | 8 HILLSTONE CT BALLSTON LAKE, NY 12019 | AFLAC | $10 | — | $10 | 0.05% |
| MARTIN MAYESKI3 Filed as: MARTIN J MAYESKI | 54 VERPLANCK AVE BEACON, NY 12508 | AFLAC | $7 | — | $7 | 0.03% |
| JULIE SLAUGHTER3 | PO BOX 2141 FARMINGTON HILLS, MI 48333 | AFLAC | $6 | — | $6 | 0.03% |
| MCINERNEY GROUP LLC3 | 580 WHITE PLAINS ROAD SUITE 600 TARRYTOWN, NY 10591 | AFLAC | $5 | — | $5 | 0.02% |
| LISA J BRENNAN-JONES3 | 1014 CATHERINE WOODS SCHENECTADY, NY 12309 | AFLAC | $5 | — | $5 | 0.02% |
| BENITO A ROTONDI II INC3 | 23 PINE RIDGE RD SARATOGA SPRINGS, NY 12866 | AFLAC | $5 | — | $5 | 0.02% |
| ULSTER INSURANCE SERVICES, INC.3 Filed as: ULSTER INSURANCE SERVICES INC | 180 SCHWENK DRIVE PO BOX 3995 KINGSTON, NY 12402 | AFLAC | $5 | — | $5 | 0.02% |
| GAE GUNDERSON-BARRY3 | 59 KRIPPLEBUSH CREEK RD STONE RIDGE, NY 12484 | AFLAC | $5 | — | $5 | 0.02% |
| JEFF DALABA3 | 8500 GILLY FLOWER COURT BALDWINSVILLE, NY 13027 | AFLAC | $4 | — | $4 | 0.02% |
| IRMA MATILDE WOODARD3 | 7684 STATE ROUTE 66 AVERILL PARK, NY 12018 | AFLAC | $3 | — | $3 | 0.01% |
| KEVIN MCCARTHY3 | 197 LANG DR NORTH KINGSTOWN, RI 02852 | AFLAC | $3 | — | $3 | 0.01% |
| TOMAS E FLORES3 | 1265 15TH ST APT 16G FORT LEE, NJ 07024 | AFLAC | $3 | — | $3 | 0.01% |
| MELISA SCHOFIELD3 | 932 E VOLK LN MIDDLETOWN, CT 06457 | AFLAC | $1 | — | $1 | 0.00% |
| CHERYL A ROTONDI3 | 352 USHERS ROAD BALLSTON LAKE, NY 12019 | AFLAC | $1 | — | $1 | 0.00% |
| KENNETH J HANNAN3 | 5 FRIAR TUCK COURT CLIFTON PARK, NY 12065 | AFLAC | $1 | — | $1 | 0.00% |
| RUSSELL T BARRETT3 | 10 AZALEA DR SARATOGA SPRINGS, NY 12866 | AFLAC | $1 | — | $1 | 0.00% |
| LAURIE L SMITH3 | 577 TRUESDALE HILL RD LAKE GEORGE, NY 12845 | AFLAC | $1 | — | $1 | 0.00% |
| MELISA SCHOFIELD3 | 34 WATCH HILL DR MIDDLETOWN, CT 06457 | AFLAC | $0 | — | $0 | 0.00% |
| FNA INSURANCE SERVICES INC3 | 180 RIVER ROAD FLOOR 2 SUMMIT, NJ 07901 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $164 | $2K | 16.78% |
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 | 154 | 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) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | MVP HEALTH CARE | 121 | $993K |
| Dental | DELTA DENTAL OF NEW YORK | 99 | $63K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 84 | $9K |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 154 | $27K |
| Other(2 contracts, 2 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 154 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 154 | — |
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.