| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AUSTIN & CO INC3 Filed as: AUSTIN & CO, INC. | 20 CORPORATE WOODS BLVD ALBANY, NY 12211 | HIGHMARK NORTHEASTERN NEW YORK | $32K | — | $32K | 2.79% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | HIGHMARK NORTHEASTERN NEW YORK | $11K | — | $11K | 0.96% |
| AUSTIN & CO INC3 | 20 CORPORATE WOODS BLVD ALBANY, NY 12211 | FIRST UNUM LIFE INSURANCE COMPANY | $5K | $3K | $8K | 3.90% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING, INC. | 2 HIGH STREET MONTICELLO, NY 12701 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | — | $3K | 1.59% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES, INC. | 100 SUNNYSIDE BLVD WOODBURY, NY 11797 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | — | $3K | 1.32% |
| GCG FINANCIAL LLC3 Filed as: BENEFIT ADVISORS NETWORK/ALERA | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| AUSTIN & CO INC3 Filed as: AUSTIN & CO, INC. | 20 CORPORATE WOODS BLVD ALBANY, NY 12211 | GUARDIAN | $4K | — | $4K | 4.65% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | GUARDIAN | $0 | $2K | $2K | 2.25% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | GUARDIAN | $1K | — | $1K | 1.44% |
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 | 160 | 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) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK NORTHEASTERN NEW YORK | 87 | $1.2M |
| Dental | GUARDIAN | 129 | $92K |
| Life insurance(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 160 | $296K |
| Short-term disability | GUARDIAN | 129 | $92K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 160 | $204K |
| Prescription drug | HIGHMARK NORTHEASTERN NEW YORK | 87 | $1.2M |
| Other | FIRST UNUM LIFE INSURANCE COMPANY | 160 | $204K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 160 | — |
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.