| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | HIGHMARK WESTERN AND NORTHEASTERN NEW YORK INC | — | — | $0 | 0.00% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | ANTHEM LIFE AND DISABILITY INS CO | $9K | — | $9K | 8.13% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | ANTHEM LIFE AND DISABILITY INC CO | $4K | — | $4K | 7.94% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | ANTHEM BLUE CROSS (G0458) | $1K | $829 | $2K | 11.80% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS CO | $680 | — | $680 | 9.83% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | ANTHEM LIFE AND DISABILITY INS CO | $2K | — | $2K | 121.85% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | DELTA DENTAL OF NEW YORK | $1K | — | $1K | — |
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 | 244 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 245 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK WESTERN AND NORTHEASTERN NEW YORK INC | 162 | $2.3M |
| Dental | DELTA DENTAL OF NEW YORK | 170 | $0 |
| Vision(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 175 | $21K |
| Life insurance(2 contracts, 2 carriers) | ANTHEM LIFE AND DISABILITY INS CO | 244 | $121K |
| Short-term disability | ANTHEM LIFE AND DISABILITY INS CO | 9 | $2K |
| Long-term disability(2 contracts, 2 carriers) | ANTHEM LIFE AND DISABILITY INC CO | 244 | $62K |
| Prescription drug | HIGHMARK WESTERN AND NORTHEASTERN NEW YORK INC | 162 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 244 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.