| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING INC. | 280 NORTH BEDFORD ROAD SUITE 104 MOUNT KISCO, NY 10549 | METROPOLITAN LIFE | $40K | $3K | $43K | 7.56% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPIRE HEALTHCHOICE EIN 23-7391136 ASO CARRIER | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Other services; Claims processing; Float revenue Service code 12 | 1351 WM. HOWARD TAFT RD. CINCINNATI, OH 45206 | $964K |
| COM PSYCH EIN 36-3739783 EAP VENDOR | Contract Administrator; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Plan Administrator; Consulting (general) Service code 12 | 455 N. CITYFRONT PLAZA DRIVE 13TH FLOOR CHICAGO, IL 60611 | $31K |
| PROBENEFITS EIN 56-1963273 FSA VENDOR | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing; Participant communication Service code 12 | 2634 REYNOLDA RD. WINSTON-SALEM, NC 27106 | $25K |
| MARSHALL & STERLING EIN 14-0865370 BROKER | Other commissions; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | $0 |
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 | 1,224 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 78 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,302 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC | 941 | $530K |
| Dental | METROPOLITAN LIFE | 699 | $567K |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC | 941 | $530K |
| Life insurance | ANTHEM BLUE CROSS BLUE SHIELD | 1,302 | $385K |
| Short-term disability | ANTHEM BLUE CROSS BLUE SHIELD | 1,302 | $385K |
| Long-term disability | ANTHEM BLUE CROSS BLUE SHIELD | 1,302 | $385K |
| Stop-loss / reinsurancereinsurance | EMPIRE HEALTHCHOICE ASSURANCE, INC | 941 | $530K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,302 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.