| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN ST POUGHKEEPSIE, NY 12601 | MVP HEALTH CARE | $22K | — | $22K | 2.44% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOC | 30 CORPORATE DR CLIFTON PARK, NY 12065 | MVP HEALTH CARE | $11K | — | $11K | 1.24% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN ST POUGHKEEPSIE, NY 12601 | CAPITAL DISTRICT PHYSICIANS HEALTH PLAN | $2K | — | $2K | 3.28% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOC | 30 CORPORATE DR CLIFTON PARK, NY 12065 | GUARDIAN | $676 | $2K | $3K | 6.59% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN ST POUGHKEEPSIE, NY 12601 | GUARDIAN | $2K | — | $2K | 4.53% |
| WAG NY INC3 | 250 CROSSWAYS PARK DRIVE WOODBURY, NY 11797 | GUARDIAN | $7 | — | $7 | 0.02% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN ST POUGHKEEPSIE, NY 12601 | HARTFORD LIFE AND ACCIDENT | $3K | — | $3K | 8.29% |
| FNA INSURANCE SERVICES INC4 Filed as: FNA INSURANCE SERVICES | 1000 WOODBURY RD WOODBURY, NY 11797 | HARTFORD LIFE AND ACCIDENT | — | $1K | $1K | 4.15% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOC | 42 SOUTH STREET GLENS FALLS, NY 12801 | HARTFORD LIFE AND ACCIDENT | $771 | — | $771 | 2.31% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOC | 30 CORPORATE DR CLIFTON PARK, NY 12065 | HARTFORD LIFE AND ACCIDENT | — | $93 | $93 | 0.28% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN ST POUGHKEEPSIE, NY 12601 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 10.85% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOC | 42 SOUTH STREET GLENS FALLS, NY 12801 | HARTFORD LIFE AND ACCIDENT | $628 | — | $628 | 2.91% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOC | 30 CORPORATE DR CLIFTON PARK, NY 12065 | HARTFORD LIFE AND ACCIDENT | — | $65 | $65 | 0.30% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN ST POUGHKEEPSIE, NY 12601 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $339 | — | $339 | 11.14% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOC, INC. | 30 CORPORATE DR CLIFTON PARK, NY 12065 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $166 | $160 | $326 | 10.72% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES | 1000 WOODBURY RD WOODBURY, NY 11797 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | — | $38 | $38 | 1.25% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ZENITH AMERICAN SOLUTIONS EIN 52-1590516 NONE | Plan Administrator Service code 14 | — | $34K |
| MARSHALL & STERLING EMPLOYEE BENEFI EIN 14-0865370 NONE | Insurance agents and brokers; Claims processing Service code 12 | — | $19K |
| TEAL, BECKER & CHIARAMONTE CPAS EIN 14-1624930 NONE | Accounting (including auditing) Service code 10 | — | $17K |
| MERRILL LYNCH PIERCE FENNER & SMITH EIN 13-5674085 NONE | Investment advisory (plan) Service code 27 | — | $17K |
| WESTERN ASSET MULTI CORE PLUS EIN 13-3985152 NONE | Investment management Service code 28 | — | $8K |
| BARNES, IACCARINO & SHEPHERD LLP EIN 26-3858697 NONE | Legal Service code 29 | — | $6K |
| JAEGER & FLYNN EIN 14-1747264 NONE | Claims processing; Insurance agents and brokers Service code 12 | — | $6K |
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 | 120 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 59 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MVP HEALTH CARE | 72 | $976K |
| Dental | GUARDIAN | 51 | $40K |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 57 | $3K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 177 | $33K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 110 | $22K |
| Prescription drug(2 contracts, 2 carriers) | MVP HEALTH CARE | 72 | $976K |
| Other | HARTFORD LIFE AND ACCIDENT | 110 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 177 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.