| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STREET POUGHKEPSIE, NY 12601 | EMPIRE HEALTHCHOICE ASSURANCE INC | $25K | $5K | $31K | 4.68% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | EMPIRE HEALTHCHOICE ASSURANCE INC | — | $13K | $13K | 1.94% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL STERLING EMPLOYEE BENEFITS | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | COMPANION LIFE INSURANCE COMPANY | $1K | — | $1K | 5.76% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | COMPANION LIFE INSURANCE COMPANY | $1K | — | $1K | 4.24% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL STERLING EMPLOYEE BENEFITS | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | MUTUAL OF OMAHA INSURANCE COMPANY | $830 | — | $830 | 5.76% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES INC | 42 SOUTH STREET GLENS FALLS, NY 12801 | MUTUAL OF OMAHA INSURANCE COMPANY | $610 | — | $610 | 4.24% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL STERLING EMPLOYEE BENEFITS | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | COMPANION LIFE INSURANCE COMPANY | $997 | — | $997 | 8.59% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES INC | 42 SOUTH STREET GLENS FALLS, NY 12801 | COMPANION LIFE INSURANCE COMPANY | $743 | — | $743 | 6.40% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL STERLING EMPLOYEE BENEFITS | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | MUTUAL OF OMAHA INSURANCE COMPANY | $286 | — | $286 | 5.69% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES INC | 42 SOUTH STREET GLENS FALLS, NY 12801 | MUTUAL OF OMAHA INSURANCE COMPANY | $217 | — | $217 | 4.32% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL STERLING EMPLOYEE BENEFITS | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $519 | $91 | $610 | 13.27% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL STERLING EMPLOYEE BENEFITS | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | MUTUAL OF OMAHA INSURANCE COMPANY | $219 | — | $219 | 7.94% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES INC | 42 SOUTH STREET GLENS FALLS, NY 12801 | MUTUAL OF OMAHA INSURANCE COMPANY | $195 | — | $195 | 7.07% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL STERLING EMPLOYEE BENEFITS | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | MUTUAL OF OMAHA INSURANCE COMPANY | $128 | — | $128 | 5.72% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES INC | 42 SOUTH STREET GLENS FALLS, NY 12801 | MUTUAL OF OMAHA INSURANCE COMPANY | $95 | — | $95 | 4.25% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL STERLING EMPLOYEE BENEFITS | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | MUTUAL OF OMAHA INSURANCE COMPANY | $86 | — | $86 | 8.67% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DR CLIFTON PARK, NY 12065 | MUTUAL OF OMAHA INSURANCE COMPANY | $63 | — | $63 | 6.35% |
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 | 114 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE INC | 55 | $655K |
| Dental | EMPIRE HEALTHCHOICE ASSURANCE INC | 55 | $655K |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE INC | 55 | $655K |
| Life insurance(3 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 114 | $39K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 8 | $3K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 114 | $14K |
| Prescription drug | EMPIRE HEALTHCHOICE ASSURANCE INC | 55 | $655K |
| Other(4 contracts, 2 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 114 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 114 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.