| 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 | MVP HEALTHCARE | $62K | — | $62K | 5.39% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | COMPANION LIFE INSURANCE COMPANY | $3K | — | $3K | 10.27% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL STERLING EMPLOYEE BENEFITS | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | COMPANION LIFE INSURANCE COMPANY | $2K | — | $2K | 8.07% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL STERLING EMPLOYEE BENEFITS | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS CO | $2K | — | $2K | 9.05% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL STERLING EMPLOYEE BENEFITS | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS CO | $174 | — | $174 | 0.84% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | COMPANION LIFE INSURANCE COMPANY | $99 | — | $99 | 1.51% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL STERLING EMPLOYEE BENEFITS | 110 MAIN STREET POUGHKEESIE, NY 12601 | COMPANION LIFE INSURANCE COMPANY | $81 | — | $81 | 1.23% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | MUTUAL OF OMAHA INSURANCE COMPANY | $150 | — | $150 | 10.13% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL STERLING EMPLOYEE BENEFITS | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | MUTUAL OF OMAHA INSURANCE COMPANY | $120 | — | $120 | 8.10% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | MUTUAL OF OMAHA INSURANCE COMPANY | $12 | — | $12 | 1.46% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL STERLING EMPLOYEE BENEFITS | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | MUTUAL OF OMAHA INSURANCE COMPANY | $10 | — | $10 | 1.22% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL STERLING EMPLOYEE BENEFITS | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | DELTA DENTAL OF NEW YORK | $3K | — | $3K | — |
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 | 453 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 455 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MVP HEALTHCARE | 166 | $1.1M |
| Dental | DELTA DENTAL OF NEW YORK | 216 | $0 |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS CO | 455 | $21K |
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 285 | $7K |
| Prescription drug | MVP HEALTHCARE | 166 | $1.1M |
| Other(4 contracts, 3 carriers) | COMPANION LIFE INSURANCE COMPANY | 333 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 455 | — |
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.