| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | HCC LIFE | $137K | — | $137K | 9.33% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | HCC LIFE | $10K | — | $10K | 0.67% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | EMPIRE HEALTHCHOICE ASSURANCE, INC | $11K | $22K | $33K | 5.16% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | EMPIRE HEALTHCHOICE ASSURANCE, INC | $23K | — | $23K | 3.56% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | ANTHEM LIFE & DISABILITY INSURANCE COMPANY (G0458) | $39K | — | $39K | 7.04% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | ANTHEM LIFE & DISABILITY INSURANCE COMPANY (G0458) | $23K | $9K | $32K | 5.78% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 11.37% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | JAEGER AND FLYNN ASSOCIATES, INC. 110 MAIN STREET POUGHKEEPSIE, NY 12601 | ESI - EMPLOYEE ASSISTANCE GROUP | $2K | — | $2K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM BLUE CROSS BLUE SHIELD EIN 20-5876774 CLAIMS ADMINISTRATOR | Claims processing; Plan Administrator Service code 12 | MAIL DROP OH3403-A266 3075 VANDERCAR WAY CINCINATTI, OH 45209 | $430K |
| BENEFIT ADMINISTRATIVE SYSTEMS LLC EIN 36-4197088 CLAIMS ADMINISTRATOR | Claims processing; Plan Administrator Service code 12 | 18861 90TH AVENUE SUITE A MOKENA, IL 60448 | $327K |
| JAEGER & FLYNN ASSOCIATES, INC EIN 14-1747264 CONSULTANT FEE | Consulting (general); Consulting fees Service code 16 | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | $123K |
| MARSHALL & STERLING EMPLOYEE BENEFI EIN 14-1769291 PLAN ADMINSTRATOR | Plan Administrator; Claims processing Service code 12 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | $37K |
| PROACT PHARMACY EIN 16-1571381 ADMINISTRATION FEES | Plan Administrator Service code 14 | 6333 NY 298 EAST SYRACUSE, NY 13057 | $10K |
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 | 1,630 | 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) | 1,630 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | EMPIRE HEALTHCHOICE ASSURANCE, INC | 1,009 | $638K |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC | 1,009 | $638K |
| Life insurance | ANTHEM LIFE & DISABILITY INSURANCE COMPANY (G0458) | 1,630 | $548K |
| Short-term disability | ANTHEM LIFE & DISABILITY INSURANCE COMPANY (G0458) | 1,630 | $548K |
| Long-term disability | ANTHEM LIFE & DISABILITY INSURANCE COMPANY (G0458) | 1,630 | $548K |
| Stop-loss / reinsurancereinsurance | HCC LIFE | 1,044 | $1.5M |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 1,381 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,630 | — |
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.