| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | HCC LIFE INSURANCE COMPANY | $13K | — | $13K | 6.55% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | HCC LIFE INSURANCE COMPANY | $7K | — | $7K | 3.45% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | HCC LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | MVP SELECT CARE | $0 | — | $0 | 0.00% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | EMPIRE HEALTHCHOICE ASSURANCE, INC | $776 | $2K | $3K | 5.19% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | EMPIRE HEALTHCHOICE ASSURANCE, INC | $2K | — | $2K | 3.24% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | $4K | — | $4K | 9.95% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | $765 | $2K | $2K | 5.76% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INS SERVICES INC | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | — | $946 | $946 | 2.40% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 9.07% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $1K | $2K | 7.98% |
| WAG NY INC3 | 355 LEXINGTON AVENUE NEW YORK, NY 10017 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7 | — | $7 | 0.02% |
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 | 118 | 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) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MVP SELECT CARE | 118 | $52K |
| Dental | EMPIRE HEALTHCHOICE ASSURANCE, INC | 54 | $50K |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC | 54 | $50K |
| Life insurance | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 105 | $39K |
| Short-term disability | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 105 | $39K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 68 | $30K |
| Prescription drug | MVP SELECT CARE | 118 | $52K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 62 | $191K |
| Other(2 contracts, 2 carriers) | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 105 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 118 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.