| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING INC | 30 CORPORATE DR CLIFTON PARK, NY 12065 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 9.81% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INS SERVICES INC | 1000 WOODBURY RD STE 403 C/O DONNA NAGRI WOODBURY, NY 11797 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 4.90% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY RD STE 403 WOODBURY, NY 11797 | METROPOLITAN LIFE INSURANCE COMPANY | — | $529 | $529 | 0.78% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES, INC | 1000 WOODBURY ROAD STE 403 WOODBURY, NY 11797 | HARTFORD LIFE AND ACCIDENT | $8K | $39 | $8K | 13.84% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING INC. | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | KAISER FOUNDATION HEALTH PLAN, INC. | $1K | — | $1K | 3.48% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING, INC. | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | EYEMED | $491 | — | $491 | 6.85% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES | 1000 WOODBURY ROAD STE 403 WOODBURY, NY 11797 | EYEMED | $245 | — | $245 | 3.42% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING INC | 30 CORPORATE DR CLIFTON PARK, NY 12065 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $121 | — | $121 | 10.90% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INS SERVICES INC | 1000 WOODBURY RD STE 403 C/O DONNA NAGRI WOODBURY, NY 11797 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $61 | — | $61 | 5.50% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY RD STE 403 WOODBURY, NY 11797 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | — | $27 | $27 | 2.43% |
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 | 51 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 66 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 3 | $39K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 133 | $69K |
| Vision | EYEMED | 36 | $7K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 66 | $58K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 66 | $58K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 66 | $58K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN, INC. | 3 | $39K |
| Other | HARTFORD LIFE AND ACCIDENT | 66 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 133 | — |
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.