| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | EMPIRE HEALTHCHOICE ASSURANCE INC | $401 | — | $401 | 0.12% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 110 MAIN SREET POUGHKEEPSIE, NY 12601 | EMPIRE HEALTHCHOICE ASSURANCE INC | $181 | — | $181 | 0.06% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | DELTA DENTAL OF NEW YORK | $8K | — | $8K | 4.95% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | DELTA DENTAL OF NEW YORK | $3K | — | $3K | 2.05% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | HARTFORD LIFE AND ACCIDENT | $4K | — | $4K | 3.53% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NC 12065 | HARTFORD LIFE AND ACCIDENT | $961 | $402 | $1K | 1.09% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $2K | $5K | 15.35% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 7.52% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | MARSHALL AND STERLING 110 MAIN STREET POUGHKEEPSIE, NY 12601 | EMPLOYEE SERVICES LLC | $399 | — | $399 | 5.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPIRE HEALTHCHOICE ASSURANCE, INC. EIN 23-7391136 PLAN ADMINISTRATOR | Contract Administrator; Claims processing; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue Service code 12 | 3075 VANDECAR WAY MAIL DROP OH3403-A266 CINCINNATI, OH 45209 | $351K |
| MARSHALL & STERLING EMPLOYEE BENEFI EIN 14-1769291 FLEX ADMINISTRATOR | Contract Administrator; Plan Administrator Service code 13 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | $8K |
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 | 295 | 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) | 295 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NEW YORK | 147 | $192K |
| Vision(2 contracts, 2 carriers) | EMPIRE HEALTHCHOICE ASSURANCE INC | 143 | $357K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 218 | $125K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 218 | $125K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 218 | $125K |
| Stop-loss / reinsurancereinsurance | EMPIRE HEALTHCHOICE ASSURANCE INC | 143 | $323K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 295 | $168K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 295 | — |
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.