| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC. | 99 TROY RD. EAST GREENBUSH, NY 12061 | ANTHEM HEALTH PLANS, INC. | $45K | — | $45K | 1.50% |
| HP PLANNING LLC3 Filed as: HP PLANNING, LLC | 1100 SUMMER ST. 2ND FL STAMFORD, CT 06905 | ANTHEM HEALTH PLANS, INC. | $10K | — | $10K | 0.32% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC. | 99 TROY ROAD EAST GREENBUSH, NY 12061 | ANTHEM HEALTH PLANS OF CONNECTICUT, INC. | $5K | — | $5K | 3.34% |
| HP PLANNING LLC3 Filed as: HP PLANNING, LLC | 1100 SUMMER ST. 2ND FL STAMFORD, CT 06905 | ANTHEM HEALTH PLANS OF CONNECTICUT, INC. | $3K | — | $3K | 1.65% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC. | 99 TROY RD. EAST GREENBUSH, NY 12061 | ANTHEM LIFE INSURANCE COMPANY | $9K | — | $9K | 10.01% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC. | 99 TROY RD. EAST GREENBUSH, NY 12061 | ANTHEM LIFE INSURANCE COMPANY | — | $4K | $4K | 4.53% |
| HP PLANNING LLC3 Filed as: HP PLANNING, LLC | 1100 SUMMER ST. 2ND FL STAMFORD, CT 06905 | ANTHEM LIFE INSURANCE COMPANY | $2K | — | $2K | 2.47% |
| EMPLOYEE FAMILY PROTECTION INC3 Filed as: EMPLOYEE FAMILY PROTECTION, INC. | P. O. BOX 1237 GLASTONBURY, CA 06033 | TRANSAMERICA LIFE INSURANCE COMPANY | $7K | — | $7K | 14.95% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC. | 99 TROY RD. EAST GREENBUSH, NY 12061 | TRANSAMERICA LIFE INSURANCE COMPANY | $5K | — | $5K | 11.60% |
| EMPLOYEE FAMILY PROTECTION INC3 Filed as: EMPLOYEE FAMILY POTECTION, INC. | P. O. BOX 1237 GLASTONBURY, CT 06033 | LEGAL CLUB OF AMERICA | $78 | — | $78 | 5.26% |
| ROSE & KIERNAN INC3 Filed as: ROSE AND KIERNAN, INC. | 99 TROY RD. EAST GREENBUSH, NY 12061 | LEGAL CLUB OF AMERICA | $35 | — | $35 | 2.36% |
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 | 294 | 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) | 294 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS, INC. | 292 | $3.0M |
| Dental | ANTHEM HEALTH PLANS OF CONNECTICUT, INC. | 218 | $159K |
| Vision | ANTHEM HEALTH PLANS, INC. | 292 | $3.0M |
| Life insurance(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 529 | $138K |
| Short-term disability | TRANSAMERICA LIFE INSURANCE COMPANY | 529 | $45K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 296 | $93K |
| Other(3 contracts, 3 carriers) | ANTHEM LIFE INSURANCE COMPANY | 529 | $140K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 529 | — |
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."
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.