| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING, INC. | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $43K | — | $43K | 3.66% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING, INC. | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | $41K | — | $41K | 8.95% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING, INC. | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | UNITEDHEALTHCARE INSURANCE COMPANY | $13K | — | $13K | 3.47% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES, INC. | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 1.11% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING, INC. | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $24K | — | $24K | 10.00% |
| RELPH ROBERT G AGENCY INC3 Filed as: RELPH BENEFIT ADVISORS | 800 PARKER HILL DRIVE SUITE 100 ROCHESTER, NY 14625 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | — | $5K | 1.88% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING, INC | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | — | $11K | — |
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 | 2,066 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,066 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 37 | $617K |
| Dental(2 contracts, 2 carriers) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 1,588 | $1.2M |
| Life insurance | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 2,066 | $461K |
| Short-term disability | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 2,066 | $461K |
| Long-term disability | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 2,066 | $461K |
| Stop-loss / reinsurancereinsurance | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 1,588 | $1.2M |
| Other(2 contracts, 2 carriers) | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 2,066 | $701K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,066 | — |
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.