| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC | $64K | — | $64K | 3.86% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $578 | $7K | 13.02% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 10.78% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC | PO BOX 640 EAST GREENBUSH, NY 12061 | METROPOLITAN LIFE INSURANCE COMPANY | — | $328 | $328 | 2.75% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INS SERVICES INC | 1000 WOODBURY RD STE 403 C/O DONNA NAGRI WOODBURY, NY 11797 | METROPOLITAN LIFE INSURANCE COMPANY | $264 | — | $264 | 2.22% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC. | PO BOX 640 EAST GREENBUSH, NY 12061 | METROPOLITAN LIFE INSURANCE COMPANY | $27 | — | $27 | 0.23% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | METROPOLITAN LIFE INSURANCE COMPANY | $246 | — | $246 | 3.21% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN INC. | 150 WOLF RD STE 200 ALBANY, NY 12205 | METROPOLITAN LIFE INSURANCE COMPANY | — | $82 | $82 | 1.07% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INS SERVICES INC | 1000 WOODBURY ROAD STE 403 C/O DONNA NAGRI WOODBURY, NY 11797 | METROPOLITAN LIFE INSURANCE COMPANY | $78 | — | $78 | 1.02% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | METROPOLITAN LIFE INSURANCE COMPANY | $499 | — | $499 | 8.20% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC. | 159 WOLF RD STE 200 ALBANY, NY 12205 | METROPOLITAN LIFE INSURANCE COMPANY | $476 | — | $476 | 7.82% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC. | 159 WOLF RD STE 200 ALBANY, NY 12205 | METROPOLITAN LIFE INSURANCE COMPANY | — | $233 | $233 | 3.83% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INS SERVICES INC | 1000 WOODBURY RD STE 403 C/O DONNA NAGRI WOODBURY, NY 11797 | METROPOLITAN LIFE INSURANCE COMPANY | $128 | — | $128 | 2.10% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC. | PO BOX 640 EAST GREENBUSH, NY 12061 | METROPOLITAN LIFE INSURANCE COMPANY | $820 | — | $820 | 19.30% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STRET POUGHKEEPSIE, NY 12601 | METROPOLITAN LIFE INSURANCE COMPANY | $484 | — | $484 | 11.39% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC. | PO BOX 640 EAST GREENBUSH, NY 12061 | METROPOLITAN LIFE INSURANCE COMPANY | — | $326 | $326 | 7.67% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INS SERVICES INC | 1000 WOODBURY RD STE 403 C/O DONNA NAGRI WOODBURY, NY 11797 | METROPOLITAN LIFE INSURANCE COMPANY | $119 | — | $119 | 2.80% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY RD STE 403 WOODBURY, NY 11797 | DELTA DENTAL OF NEW YORK | $1K | — | $1K | — |
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 | 439 | 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) | 439 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC | 149 | $1.7M |
| Dental | DELTA DENTAL OF NEW YORK | 164 | $0 |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 151 | $52K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 151 | $52K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 21 | $12K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 151 | $52K |
| Prescription drug | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC | 149 | $1.7M |
| Other(5 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 439 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 439 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.