| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSHALL & STERLING EMPLOYEE BENEFI Filed as: MARSHALL AND STERLING INC | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | CDPHP | $12K | — | $12K | 4.20% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL AND STERLING INC | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | HEALTHNOW NEW YORK INC DBA BLUE SHIELD OF NENY | $10K | — | $10K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LIPSITZ GREEN SCIME CAMBRIA LLP EIN 16-0905097 ATTORNEY | Legal Service code 29 | 42 DELAWARE AVENUE SUITE 120 BUFFALO, NY 14202 | $38K |
| KATHLEEN LEE EIN 51-0244401 EMPLOYEE | Employee (plan) Service code 30 | 890 THIRD STREET ALBANY, NY 12206 | $25K |
| ENNIS HARGADON LLC EIN 47-1121653 AUDITOR | Accounting (including auditing) Service code 10 | 739 PALLSADE PARK CLIFFSIDE PARK, NJ 07010 | $22K |
| PENNY RICH EIN 51-0244401 EMPLOYEE | Employee (plan) Service code 30 | 890 THIRD STREET ALBANY, NY 12206 | $21K |
| JAMES M. SHEPPARD, CPA EIN 14-1753226 AUDITOR | Accounting (including auditing) Service code 10 | 2 EXECUTIVE PARK DRIVE CLIFTON PARK, NY 12065 | $18K |
| NAOMI SWIADER EIN 51-0244401 EMPLOYEE | Employee (plan) Service code 30 | 890 THIRD STREET ALBANY, NY 12206 | $8K |
| O'SULLIVAN ASSOCIATES EIN 20-8199367 CONSULTANT | Actuarial Service code 11 | 1236 BRACE ROAD CHERRY HILL, NJ 08034 | $7K |
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 | 201 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 32 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 233 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CDPHP | 100 | $297K |
| Prescription drug(2 contracts, 2 carriers) | CDPHP | 100 | $297K |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 150 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 150 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.