| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: COOL INSURING AGENCY | 784 TROY-SCHENECTADY ROAD LATHAM, NY 12110 | EMBLEMHEALTH | $0 | $0 | $0 | 0.00% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING INC | 110 MAIN ST POUGHKEEPSIE, NY 12601 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.70% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INS SERVICES INC | 1000 WOODBURY RD SUITE 403 C/O DONNA NAGRI WOODBURY, NY 11797 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.51% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $626 | $0 | $626 | 10.82% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES | 100 WOODBURY RD STE 403 WOODBURY, NY 11797 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $263 | $0 | $263 | 4.54% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: COOL INSURING AGENCY | 784 TROY-SCHENECTADY ROAD LATHAM, NY 12110 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $52 | $0 | $52 | 0.90% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING | 110 MAIN ST POUGHKEEPSIE, NY 12601 | HM LIFE INSURANCE COMPANY | $791 | $0 | $791 | 13.88% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: COOL INSURING AGENCY | 784 TROY-SCHENECTADY ROAD LATHAM, NY 12110 | HM LIFE INSURANCE COMPANY | $78 | $0 | $78 | 1.37% |
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 | 228 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 228 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMBLEMHEALTH | 94 | $874K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 228 | $51K |
| Vision | HM LIFE INSURANCE COMPANY | 108 | $6K |
| Life insurance | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 143 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 228 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.