| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN ST POUGHKEEPSIE, NY 12601 | MVP HEALTH CARE | $32K | — | $32K | 3.70% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN ST POUGHKEEPSIE, NY 12601 | CAPITAL DISTRICT PHYSICIANS HEALTH PLAN INC. | $4K | — | $4K | 4.36% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN ST POUGHKEEPSIE, NY 12601 | STANDARD INSURANCE COMPANY | $2K | $435 | $3K | 11.89% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES | 1000 WOODBURY RD WOODBURY, NY 11797 | STANDARD INSURANCE COMPANY | — | $1K | $1K | 4.71% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN ST POUGHKEEPSIE, NY 12601 | STANDARD INSURANCE COMPANY | $2K | $436 | $3K | 15.34% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY RD SUITE 403 WOODBURY, NY 11797 | STANDARD INSURANCE COMPANY | — | $1K | $1K | 6.08% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN ST POUGHKEEPSIE, NY 12601 | ANTHEM BLUE CROSS (G0458) | $668 | — | $668 | 10.66% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY RD SUITE 403 WOODBURY, NY 11797 | ANTHEM BLUE CROSS (G0458) | — | $275 | $275 | 4.39% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN ST POUGHKEEPSIE, NY 12601 | ANTHEM BLUE CROSS (G0458) | $669 | — | $669 | 14.64% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY RD SUITE 403 WOODBURY, NY 11797 | ANTHEM BLUE CROSS (G0458) | — | $274 | $274 | 6.00% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN ST POUGHKEEPSIE, NY 12601 | ANTHEM BLUE CROSS AND BLUE SHIELD (G1921) | $436 | $43 | $479 | 11.80% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY RD SUITE 403 WOODBURY, NY 11797 | ANTHEM BLUE CROSS AND BLUE SHIELD (G1921) | — | $218 | $218 | 5.37% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ZENITH AMERICAN SOLUTIONS EIN 52-1590516 NONE | Plan Administrator Service code 14 | — | $38K |
| MARSHALL & STERLING EMPLOYEE BENEFI EIN 14-0865370 NONE | Insurance agents and brokers; Claims processing Service code 12 | — | $25K |
| TEAL, BECKER & CHIARAMONTE CPAS EIN 14-1624930 NONE | Accounting (including auditing) Service code 10 | — | $20K |
| MERRILL LYNCH PIERCE FENNER & SMITH EIN 13-5674085 NONE | Investment advisory (plan) Service code 27 | — | $19K |
| 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 |
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 | 114 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 73 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MVP HEALTH CARE | 119 | $955K |
| Dental | GUARDIAN | 52 | $40K |
| Vision | ANTHEM BLUE CROSS AND BLUE SHIELD (G1921) | 84 | $4K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 185 | $29K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 117 | $25K |
| Prescription drug(2 contracts, 2 carriers) | MVP HEALTH CARE | 119 | $955K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 185 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.