| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN&BROWN INSURANCE SERVICES, INC | 1421 PINE RIDGE RD SUITE 200 NAPLES, FL 34109 | HIGHMARK WESTERN AND NORTHEASTERN NEW YORK INC. | $43K | — | $43K | 3.28% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | HIGHMARK WESTERN AND NORTHEASTERN NEW YORK INC. | $4K | — | $4K | 0.28% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF NEW YORK, INC. | 6 TOWER PLACE ALBANY, NY 12203 | DELTA DENTAL OF NEW YORK | $3K | — | $3K | 4.64% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | DELTA DENTAL OF NEW YORK | $225 | — | $225 | 0.34% |
| ADIRONDACK TRUST COMPANY3 Filed as: ADIRONDACK TRUST CO FINANCIAL | 31 CHURCH STREET PO BOX 336 SARATOGA SPRINGS, NY 12866 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $956 | — | $956 | 11.97% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $101 | — | $101 | 1.26% |
| HOWARD J. ELIAS, INC.3 Filed as: HOWARD J. ELIAS INC | 355 LEXINGTON AVE 9FL NEW YORK, NY 10017 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10 | — | $10 | 0.13% |
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 | 236 | 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) | 236 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK WESTERN AND NORTHEASTERN NEW YORK INC. | 120 | $1.3M |
| Dental | DELTA DENTAL OF NEW YORK | 140 | $66K |
| Prescription drug | HIGHMARK WESTERN AND NORTHEASTERN NEW YORK INC. | 120 | $1.3M |
| Other(3 contracts, 3 carriers) | UCM DIGITAL HEALTH | 236 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 236 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.