| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: HAYLOR FREYER & COON, INC. | 300 SOUTH STATE STREET SUITE 1000 SYRACUSE, NY 13202 | MVP HEALTH SERVICES CORP | $111K | — | $111K | 2.26% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | MVP HEALTH SERVICES CORP | $20K | — | $20K | 0.41% |
| ACRISURE LLC3 Filed as: HAYLOR FREYER & COON INC. | PO BOX 4743 SYRACUSE, NY 13221 | HARTFORD LIFE AND ACCIDENT | $3K | — | $3K | 3.77% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | HARTFORD LIFE AND ACCIDENT | $1K | — | $1K | 1.52% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC | 3 PARKWAY N, SUITE 500 DEERFIELD, IL 60015 | HARTFORD LIFE AND ACCIDENT | — | $1K | $1K | 1.26% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC | 3 PARKWAY N, SUITE 500 DEERFIELD, IL 60015 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $789 | $789 | 4.82% |
| ACRISURE LLC3 Filed as: HAYLOR FREYER & COON INC. | 300S STATE STREET SUITE 1000 SYRACUSE, NY 13202 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $321 | — | $321 | 1.96% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $127 | — | $127 | 0.78% |
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 | 291 | 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) | 293 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MVP HEALTH SERVICES CORP | 260 | $4.9M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 265 | $16K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 291 | $93K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 265 | $16K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 291 | $93K |
| Prescription drug | MVP HEALTH SERVICES CORP | 260 | $4.9M |
| Other | HARTFORD LIFE AND ACCIDENT | 291 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 291 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.