| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | ANTHEM BLUE CROSS (G1921) | $10K | $2K | $12K | 0.50% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY ROAD, SUITE 403 WOODBURY, NY 11797 | ANTHEM BLUE CROSS (G1921) | $0 | $10K | $10K | 0.41% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | STANDARD INSURANCE COMPANY | $11K | $2K | $13K | 16.57% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY ROAD, SUITE 403 WOODBURY, NY 11797 | STANDARD INSURANCE COMPANY | $0 | $4K | $4K | 5.43% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $1K | $4K | 14.75% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 13.00% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | ANTHEM BLUE CROSS (G0458) | $3K | — | $3K | 13.40% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | ANTHEM BLUE CROSS (G0458) | — | $1K | $1K | 4.76% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | EMPLOYEE SERVICES LLC | $217 | — | $217 | 4.99% |
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 | 176 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS (G1921) | 136 | $2.3M |
| Dental | ANTHEM BLUE CROSS (G1921) | 136 | $2.3M |
| Vision | ANTHEM BLUE CROSS (G1921) | 136 | $2.3M |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 176 | $102K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 176 | $102K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 176 | $102K |
| Other(4 contracts, 4 carriers) | STANDARD INSURANCE COMPANY | 176 | $133K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 176 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.