Filings through .
| Carrier | Coverage | Premium, renewal |
|---|---|---|
Broker: Marshall & Sterling Employee Benefi HealthRxHMO | HealthRxHMO | Pro |
Broker: Marshall & Sterling Employee Benefi HealthRxHMO | HealthRxHMO | Pro |
Broker: Marshall & Sterling Employee Benefi LifeSTD | LifeSTD | Pro |
Broker: Marshall & Sterling Employee Benefi Dental | Dental | Pro |
Broker: Marshall & Sterling Employee Benefi Vision | Vision | Pro |
See premium, retention and renewal dates for 6 contracts with Pro.
Pro shows premium, covered lives, retention, contract numbers and the renewal date for each contract. Free for 7 days, no card. Then $49 a month. Cancel any time.
| Broker | Commissions, fees |
|---|---|
Carrier: MVP Health Care | Pro |
Carrier: Capital District Physicians Health Plan Inc. | Pro |
Carrier: Guardian | Pro |
Carrier: Standard Insurance Company | Pro |
Carrier: Standard Insurance Company | Pro |
Carrier: Anthem Blue Cross and Blue Shield (G1921) | Pro |
Carrier: Anthem Blue Cross and Blue Shield (G1921) | Pro |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ZENITH AMERICAN SOLUTIONS EIN 52-1590516 NONE | Plan Administrator Service code 14 | — | $39K |
| MARSHALL & STERLING EMPLOYEE BENEFI EIN 14-0865370 NONE | Claims processing; Insurance agents and brokers Service code 12 | — | $23K |
| MERRILL LYNCH PIERCE FENNER & SMITH EIN 13-5674085 NONE | Investment advisory (plan) Service code 27 | — | $22K |
| TEAL, BECKER & CHIARAMONTE CPAS EIN 14-1624930 NONE | Accounting (including auditing) Service code 10 | — | $17K |
| WESTERN ASSET MULTI CORE PLUS EIN 13-3985152 NONE | Investment management Service code 28 | — | $10K |
| BARNES, IACCARINO & SHEPHERD LLP EIN 26-3858697 NONE | Legal Service code 29 | — | $6K |
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 | 95 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 77 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MVP HEALTH CARE | 116 | $975K |
| Dental | GUARDIAN | 51 | $36K |
| Vision | ANTHEM BLUE CROSS AND BLUE SHIELD (G1921) | 85 | $5K |
| Life insurance | STANDARD INSURANCE COMPANY | 188 | $30K |
| Short-term disability | STANDARD INSURANCE COMPANY | 126 | $30K |
| Prescription drug(2 contracts, 2 carriers) | MVP HEALTH CARE | 116 | $975K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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."
Broker compensation exceeds 5% of premium. This is either a small-plan minimum fee or an inefficient broker structure open to a counter-bid.
Premium per covered life exceeds 2x the peer median for this NAICS and size cohort. The plan is either richly funded or stuck with a bad rate.
Schedule A changed between filings. The plan moved between insured and self-funded, or contracts were added or removed. The transition window is open.