| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC. | 99 TROY ROAD EAST GREENBUSH, NY 12061 | CONNECTICARE, INC. | $0 | $48K | $48K | 3.50% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC. | 99 TROY ROAD EAST GREENBUSH, NY 12061 | AETNA LIFE INSURANCE CO | $4K | $3K | $6K | 9.05% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC. | 99 TROY ROAD EAST GEENBUSH, NY 12061 | ANTHEM HEALTH PLANS, INC. | $1K | $72 | $2K | 10.38% |
| ROSE & KIERNAN INC3 | PO BOX 640 EAST GREENBUSH, NY 12061 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $859 | $2K | 25.29% |
| NFP INSURANCE SERVICES INC5 | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $74 | $0 | $74 | 0.79% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC. | PO BOX 640 EAST GREENBUSH, NY 12061 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $896 | $2K | 22.11% |
| NFP INSURANCE SERVICES INC5 | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $90 | $0 | $90 | 0.98% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC. | 99 TROY ROAD EAST GREENBUSH, NY 12061 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 15.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG 2 STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $95 | $95 | 1.04% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC. | 99 TROY ROAD EAST GREENBUSH, NY 12061 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $792 | $0 | $792 | 14.99% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG 2 STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $57 | $57 | 1.08% |
| ROSE & KIERNAN INC3 | PO BOX 640 EAST GREENBUSH, NY 12061 | METROPOLITAN LIFE INSURANCE COMPANY | $760 | $420 | $1K | 25.49% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $40 | $0 | $40 | 0.86% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC. | 99 TROY ROAD EAST GREENBUSH, NY 12061 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $333 | $0 | $333 | 15.01% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG 2 STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $29 | $29 | 1.31% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC. | 99 TROY ROAD EAST GREENBUSH, NY 12061 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $190 | $0 | $190 | 11.00% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPTIAL OF TX HWY S BLDG 2 STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $22 | $22 | 1.27% |
| ROSE & KIERNAN INC3 | PO BOX 640 EAST GREENBUSH, NY 12061 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $2K | $5K | — |
| NFP INSURANCE SERVICES INC5 | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $194 | $0 | $194 | — |
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 | 184 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CONNECTICARE, INC. | 208 | $1.4M |
| Dental | AETNA LIFE INSURANCE CO | 223 | $69K |
| Vision | ANTHEM HEALTH PLANS, INC. | 124 | $15K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 183 | $2K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $0 |
| Other(7 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 183 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 223 | — |
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.