| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING INC. | 110 MAIN ST POUGHKEEPSIE, NY 12601 | KAISER FOUNDATION HEALTH PLAN, INC. | $21K | — | $21K | 4.09% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES INC. | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | KAISER FOUNDATION HEALTH PLAN, INC. | $10K | — | $10K | 2.01% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL&STERLING EMPLOYEE BENEFITS | 110 MAIN ST POUGHKEEPSIE, NY 12601 | PRINCIPAL LIFE INSURANCE COMPANY | $10K | — | $10K | 5.01% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY RD SUITE 403 WOODBURY, NY 11797 | PRINCIPAL LIFE INSURANCE COMPANY | — | $8K | $8K | 4.01% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | HARTFORD LIFE AND ACCIDENT | $8K | $5K | $13K | 14.63% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS CO. | $1K | — | $1K | 4.97% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING INC | 110 MAIN ST POUGHKEEPSIE, NY 12601 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS CO. | $1K | — | $1K | 4.97% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING | 110 MAIN ST POUGHKEEPSIE, NY 12601 | CALIFORNIA DENTAL NETWORK, INC. | $180 | — | $180 | 10.02% |
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 | 174 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 77 | $504K |
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 160 | $195K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS CO. | 125 | $24K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 181 | $87K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 181 | $87K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 181 | $87K |
| Other | HARTFORD LIFE AND ACCIDENT | 181 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 181 | — |
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. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.