| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | EMPIRE HEALTHCHOICE ASSURANCE, INC | $86K | — | $86K | 3.32% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | EMPIRE HEALTHCHOICE ASSURANCE, INC | $37K | $5K | $43K | 1.64% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INS SERVICES INC | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | EMPIRE HEALTHCHOICE ASSURANCE, INC | $0 | $5K | $5K | 0.19% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $4K | — | $4K | 10.05% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | — | $2K | 4.95% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY RD STE 403 WOODBURY, NY 11797 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $2K | $2K | 3.80% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | — | $2K | 5.92% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY RD STE 403 WOODBURY, NY 11797 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $1K | $1K | 3.83% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $796 | — | $796 | 2.59% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | — | $2K | 6.11% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES INC. | 1000 WOODBURY RD STE 403 WOODBURY, NY 11797 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $1K | $1K | 3.86% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $717 | — | $717 | 2.51% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $3K | — | $3K | 9.05% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY RD STE 403 WOODBURY, NY 11797 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $1K | $1K | 3.80% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $939 | — | $939 | 3.33% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | THE GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 7.50% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | THE GUARDIAN LIFE INSURANCE COMPANY | $694 | $969 | $2K | 5.99% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | JAEGER AND FLYNN ASSOCIATES INC. 110 MAIN STREET POUGHKEEPSIE, NY 12601 | EMPLOYEE SERVICES, INC | $238 | — | $238 | 5.01% |
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 | 265 | 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) | 265 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC | 218 | $2.6M |
| Dental(2 contracts, 2 carriers) | EMPIRE HEALTHCHOICE ASSURANCE, INC | 218 | $2.6M |
| Vision(2 contracts, 2 carriers) | EMPIRE HEALTHCHOICE ASSURANCE, INC | 218 | $2.6M |
| Life insurance(2 contracts) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 265 | $72K |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 125 | $29K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 112 | $28K |
| Prescription drug | EMPIRE HEALTHCHOICE ASSURANCE, INC | 218 | $2.6M |
| Other(4 contracts, 3 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 265 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 265 | — |
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.
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.