| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING INC | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | METROPOLITAN LIFE INSURANCE COMPANY | $59K | $20K | $79K | 12.38% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING INC | 110 MAIN ST POUGHKEEPSIE, NY 12601 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | — | $12K | $12K | 2.04% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING INC | 110 MAIN ST POUGHKEEPSIE, NY 12601 | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | $37K | $12K | $49K | 8.87% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING INC | 110 MAIN ST POUGHKEEPSIE, NY 12601 | UNITEDHEALTHCARE INSURANCE COMPANY | $12K | — | $12K | 3.53% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY RD. SUITE 403, 4TH FL WOODBURY, NY 11797 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | $41 | $4K | 1.20% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING INC. | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $13K | — | $13K | 10.51% |
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 | 2,812 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 63 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,875 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 11 | $128K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,219 | $637K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 33 | $342K |
| Life insurance | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 2,875 | $557K |
| Short-term disability | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 2,875 | $557K |
| Long-term disability | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 2,875 | $557K |
| Stop-loss / reinsurancereinsurance | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 942 | $590K |
| Other(2 contracts, 2 carriers) | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 2,875 | $685K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,875 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.