| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $147K | $150K | $297K | 16.21% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $50K | $7K | $57K | 3.70% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING INC | 2 HIGH STREET MONTICELLO, NY 12701 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 6.62% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W GOLF RD ROLLING MEADOWS, IL 60008 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 4.89% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $653 | — | $653 | 1.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 95287 CHICAGO, IL 60694 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $208 | $208 | 0.33% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING INC | 2 HIGH STREET MONTICELLO, NY 12701 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $6K | — | $6K | 21.75% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $770 | — | $770 | 2.68% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W GOLF RD ROLLING MEADOWS, IL 60008 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $321 | — | $321 | 1.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 95287 CHICAGO, IL 60694 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $1 | $1 | 0.00% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING INC | 2 HIGH STREET MONTICELLO, NY 12701 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $243 | — | $243 | 9.15% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN ST POUGHKEEPSIE, NY 12601 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $110 | — | $110 | 4.14% |
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 | 1,849 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 29 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,878 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,617 | $1.5M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,617 | $1.5M |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,849 | $1.8M |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,849 | $1.8M |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,849 | $1.8M |
| Other(5 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,849 | $3.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,849 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.