| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING INC. | — | MVP HEALTH CARE | $49K | — | $49K | 5.01% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING INC. | — | DELTA DENTAL OF NEW YORK | $2K | — | $2K | 4.00% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING INC. | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $2K | $515 | $3K | 11.46% |
| 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% |
| DANIEL H BARRY3 | 46 ESOPUS DR CLIFTON PARK, NY 12065 | AFLAC | $1K | $101 | $1K | 6.83% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING INC. | 280 N BEDFORD RD STE 104 MOUNT KISCO, NY 10549 | AFLAC | $816 | — | $816 | 4.55% |
| NICHOLAS MCELROY3 | PO BOX 1068 MONROE, NY 10949 | AFLAC | $211 | $11 | $222 | 1.24% |
| AMY PETERS3 | 20 WILLOW LN WYNANTSKILL, NY 12198 | AFLAC | $143 | $6 | $149 | 0.83% |
| MICHELLE NOLAN3 | 46 ESOPUS DRIVE CLIFTON PARK, NY 12065 | AFLAC | $137 | — | $137 | 0.76% |
| JASON SCZEPANIAK3 Filed as: JASON HARTMAN | 225 DOLSON AVE STE 304 MIDDLETOWN, NY 10940 | AFLAC | $90 | $11 | $101 | 0.56% |
| MELISSA ANN STEWART3 | 36 WINCOMA LN QUEENSBURY, NY 12804 | AFLAC | $93 | $6 | $99 | 0.55% |
| JASON SCZEPANIAK3 Filed as: JASON HARTMAN | 10 LAKE ST STE 2 MONROE, NY 10950 | AFLAC | $54 | — | $54 | 0.30% |
| NIKOLA J. DJAKOV3 | 8850 AUBREY AVENUE GLENDALE, NY 11385 | AFLAC | $25 | — | $25 | 0.14% |
| ULSTER INSURANCE SERVICES, INC.3 Filed as: ULSTER INSURANCE SERVICES INC | 95 SCHWENK DRIVE PO BOX 3995 KINGSTON, NY 12402 | AFLAC | $19 | — | $19 | 0.11% |
| JULIE SLAUGHTER3 | 31211 GRANDON ST LIVONIA, MI 48150 | AFLAC | $17 | — | $17 | 0.09% |
| JEANNINE M CAPPUSO3 Filed as: JEANNINE M. CAPPUSO | 7801 N FEDERAL HWY BLDG 4-202 BOCA RATON, FL 33487 | AFLAC | $15 | — | $15 | 0.08% |
| SUSAN C BRIMHALL3 | 3921 CAPE SAN BLAS RD PORT SAINT JOE, FL 32456 | AFLAC | $11 | — | $11 | 0.06% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | AFLAC | $10 | — | $10 | 0.06% |
| SUSAN C BRIMHALL3 | PO BOX 336 SMITHS STATION, AL 36877 | AFLAC | $8 | — | $8 | 0.04% |
| J G DENIVO CORP3 | 14107 20TH AVE STE 102 WHITESTONE, NY 11357 | AFLAC | $7 | — | $7 | 0.04% |
| RYAN GOLDBERG3 | 103 CHURCH ST #3 PHILADELPHIA, PA 19106 | AFLAC | $6 | — | $6 | 0.03% |
| MARTIN MAYESKI3 Filed as: MARTIN J MAYESKI | 54 VERPLANCK AVE BEACON, NY 12508 | AFLAC | $6 | — | $6 | 0.03% |
| MCINERNEY GROUP LLC3 | 580 WHITE PLAINS ROAD SUITE 115 TARRYTOWN, NY 10591 | AFLAC | $6 | — | $6 | 0.03% |
| ULSTER INSURANCE SERVICES, INC.3 Filed as: ULSTER INSURANCE SERVICES INC | 180 SCHWENK DRIVE PO BOX 3995 KINGSTON, NY 12402 | AFLAC | $6 | — | $6 | 0.03% |
| KOBER ASSOCIATES LLC3 | 14107 20TH AVE STE 507 WHITESTONE, NY 11357 | AFLAC | $6 | — | $6 | 0.03% |
| MBL BENEFITS CONSULTING CORP3 Filed as: MBL BENEFIT CONSULTING GROUP | 323 W 39TH ST FL 11 NEW YORK, NY 10018 | AFLAC | $6 | — | $6 | 0.03% |
| LISA J BRENNAN-JONES3 | 1014 CATHERINE WOODS SCHENECTADY, NY 12309 | AFLAC | $4 | — | $4 | 0.02% |
| IRMA MATILDE WOODARD3 | 7684 STATE ROUTE 66 AVERILL PARK, NY 12018 | AFLAC | $4 | — | $4 | 0.02% |
| KEVIN MCCARTHY3 | 197 LANG DR NORTH KINGSTOWN, RI 02852 | AFLAC | $4 | — | $4 | 0.02% |
| TOMAS E FLORES3 | 1265 15TH ST APT 16G FORT LEE, NJ 07024 | AFLAC | $4 | — | $4 | 0.02% |
| STEPHEN WHITE3 Filed as: STEPHEN P WHITE | 5 EMERALD LN MONTEBELLO, NY 10901 | AFLAC | $3 | — | $3 | 0.02% |
| RICHARD PETERSON3 | 14107 20TH AVE STE 507 WHITESTONE, NY 11357 | AFLAC | $2 | — | $2 | 0.01% |
| KENNETH C MEIER CORP3 | 401 FRANKLIN AVE STE 312 GARDEN CITY, NY 11530 | AFLAC | $2 | — | $2 | 0.01% |
| MELISA SCHOFIELD3 | 11620 N 39TH ST PHOENIX, CT 85028 | AFLAC | $2 | — | $2 | 0.01% |
| HEATHER DENIVO3 | 14107 20TH AVE STE 102 WHITESTONE, NY 11357 | AFLAC | $1 | — | $1 | 0.01% |
| BRIAN WHITE3 | 6 COWDIN LN CHAPPAQUA, NC 10514 | AFLAC | $0 | — | $0 | 0.00% |
| BENITO A ROTONDI II INC3 | 23 PINE RIDGE RD SARATOGA SPRINGS, NY 12866 | AFLAC | $0 | — | $0 | 0.00% |
| MELISA SCHOFIELD3 | 932 E VOLK LN MIDDLETOWN, CT 06457 | AFLAC | $0 | — | $0 | 0.00% |
| CHERYL A ROTONDI3 | 352 USHERS ROAD BALLSTON LAKE, NY 12019 | 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 | $274 | $2K | 18.18% |
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 | 132 | 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) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MVP HEALTH CARE | 99 | $975K |
| Dental | DELTA DENTAL OF NEW YORK | 77 | $60K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 61 | $9K |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 132 | $26K |
| Short-term disability | AFLAC | 19 | $18K |
| Other(2 contracts, 2 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 132 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 132 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.