| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL STERLING EMPLOYEE BENEFITS | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | HIGHMARK NORTHEASTERN NEW YORK | $23K | — | $23K | 4.25% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL STERLING EMPLOYEE BENEFITS | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | EMPIRE HEALTHCHOICE ASSURANCE INC | $1K | $1K | $3K | 7.64% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | EMPIRE HEALTHCHOICE ASSURANCE INC | — | $2K | $2K | 5.88% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL STERLING EMPLOYEE BENEFITS | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | MUTUAL OF OMAHA INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| THOMAS F FLYNN3 | 30 CORPORATE DR CLIFTON PARK, NY 12065 | HARTFORD LIFE AND ACCIDENT | $765 | — | $765 | 6.12% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL STERLING EMPLOYEE BENEFITS | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | HARTFORD LIFE AND ACCIDENT | $563 | — | $563 | 4.51% |
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) | HIGHMARK NORTHEASTERN NEW YORK | 66 | $543K |
| Dental | EMPIRE HEALTHCHOICE ASSURANCE INC | 58 | $33K |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE INC | 58 | $33K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 118 | $12K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 40 | $13K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 118 | $12K |
| Prescription drug | HIGHMARK NORTHEASTERN NEW YORK | 66 | $543K |
| Other | HARTFORD LIFE AND ACCIDENT | 118 | $12K |
| 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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.