| 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. | $42K | — | $42K | 2.64% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL AND STERLING INC | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $3K | $919 | $4K | 10.56% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY RD 4TH FL, STE 403 WOODBURY, NY 11797 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $1K | $1K | 3.18% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL AND STERLING INC | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $3K | $664 | $4K | 15.24% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY RD 4TH FLOOR, STE 403 WOODBURY, NY 11797 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $858 | $858 | 3.30% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING INC. | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $1K | $388 | $2K | 13.82% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES INC. | 1000 WOODBURY RD 4TH FLOOR, STE 403 WOODBURY, NY 11797 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $393 | $393 | 3.02% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING INC. | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $467 | $101 | $568 | 14.61% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES INC. | 1000 WOODBURY RD 4TH FLOOR, STE 403 WOODBURY, NY 11797 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $127 | $127 | 3.27% |
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 | 165 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 165 | $1.6M |
| Dental | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 165 | $1.6M |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 165 | $1.6M |
| Life insurance | CIGNA LIFE INSURANCE CO. OF NEW YORK | 165 | $13K |
| Short-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 107 | $34K |
| Long-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 93 | $26K |
| Other | CIGNA LIFE INSURANCE CO. OF NEW YORK | 168 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 168 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.