| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC | 99 TROY ROAD EAST GREENBUSH, NY 12061 | ANTHEM HEALTH PLANS OF CONNECTICUT, INC | $5K | — | $5K | 4.40% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC | 99 TROY ROAD EAST GREENBUSH, NY 12061 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 10.46% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC | 99 TROY ROAD EAST GREENBUSH, NY 12061 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 15.85% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC. | 99 TROY ROAD EAST GREENBUSH, NY 12061 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $907 | $422 | $1K | 14.66% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ROSE & KIERNAN, INC BROKER | Insurance brokerage commissions and fees Service code 53 | 99 TROY ROAD EAST GREENBUSH, NY 12061 | $0 |
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 | 147 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 220 | $1.5M |
| Dental(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 220 | $1.6M |
| Vision | ANTHEM HEALTH PLANS OF CONNECTICUT, INC | 120 | $107K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 151 | $61K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 151 | $61K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 151 | $61K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 61 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 220 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.