| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL AND STERLING INC | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | EMPIRE BLUE CROSS BLUE SHIELD | $18K | — | $18K | 4.20% |
| MARSHALL & STERLING EMPLOYEE BENEFI Filed as: MARSHALL AND STERLING INC | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | CDPHP | $7K | — | $7K | 4.20% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| KATHLEEN LEE EIN 51-0244401 EMPLOYEE | Employee (plan) Service code 30 | 890 THIRD STREET ALBANY, NY 12206 | $51K |
| JAMES M. SHEPPARD, CPA EIN 14-1753226 AUDITOR | Accounting (including auditing) Service code 10 | 2 EXECUTIVE PARK DRIVE CLIFTON PARK, NY 12065 | $20K |
| D'ARCANGELO & CO., LLP EIN 13-2550103 AUDITOR | Accounting (including auditing) Service code 10 | 120 LOMOND COURT UTICA, NY 13492 | $15K |
| LIPSITZ GREEN SCIME CAMBRIA LLP EIN 16-0905097 ATTORNEY | Legal Service code 29 | 42 DELAWARE AVENUE SUITE 120 BUFFALO, NY 14202 | $11K |
| O'SULLIVAN ASSOCIATES EIN 20-8199367 CONSULTANT | Actuarial Service code 11 | 1236 BRACE ROAD CHERRY HILL, NJ 08034 | $9K |
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 | 222 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 29 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 251 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | EMPIRE BLUE CROSS BLUE SHIELD | 82 | $613K |
| Prescription drug(2 contracts, 2 carriers) | EMPIRE BLUE CROSS BLUE SHIELD | 82 | $613K |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 172 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 172 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.