| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSE & KIERNAN INC3 | 99 TROY RD STE 300 EAST GREENBUSH, NY 12061 | ANTHEM LIFE INSURANCE COMPANY | $16K | $0 | $16K | 0.78% |
| ROSE & KIERNAN INC3 | 99 TROY RD EAST GREENBUSH, NY 12061 | ANTHEM LIFE INSURANCE COMPANY | $8K | $0 | $8K | 0.39% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC | 159 WOLF RD SUITE 200 ALBANY, NY 12205 | ANTHEM LIFE INSURANCE COMPANY | $8K | $0 | $8K | 0.39% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $94K | $0 | $94K | 6.53% |
| ROSE & KIERNAN INC3 | PO BOX 640 99 TROY RD EAST GREENBUSH, NY 12061 | DELTA DENTAL OF CONNECTICUT, INC. | $6K | $0 | $6K | 4.57% |
| ROSE & KIERNAN INC3 | PO BOX 786677 PHILADELPHIA, PA 19178 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $181 | $4K | 15.15% |
| ROSE & KIERNAN INC3 | PO BOX 786677 PHILADELPHIA, PA 19178 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 4.84% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP COORPORATE SERVICES NY LLC | PO BOX 9101 PLAINVIEW, NY 11803 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | $1 | $7K | 48.46% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC | 159 WOLF RD SUITE 200 ALBANY, NY 12205 | UNITEDHEALTHCARE INSURANCE COMPANY | $3 | $0 | $3 | 0.02% |
| ROSE & KIERNAN INC3 | PO BOX 786677 PHILADELPHIA, PA 19178 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $176 | $3K | 29.01% |
| ROSE & KIERNAN INC3 | PO BOX 786677 PHILADELPHIA, PA 19178 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $608 | $608 | 6.76% |
| ROSE & KIERNAN INC3 | PO BOX 786677 PHILADELPHIA, PA 19178 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $175 | $2K | 27.93% |
| ROSE & KIERNAN INC3 | PO BOX 786677 PHILADELPHIA, PA 19178 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $547 | $547 | 6.47% |
| ROSE & KIERNAN INC3 | PO BOX 786677 PHILADELPHIA, PA 19178 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $86 | $1K | 26.01% |
| ROSE & KIERNAN INC3 | PO BOX 786677 PHILADELPHIA, PA 19178 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $295 | $295 | 6.07% |
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 | 203 | 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) | 203 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 222 | $1.5M |
| Dental | DELTA DENTAL OF CONNECTICUT, INC. | 260 | $142K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 0 | $2.1M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 7 | $9K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 0 | $2.1M |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 222 | $1.4M |
| Other(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 105 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 260 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.