| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC. | 99 TROY ROAD EAST GREENBUSH, NY 12061 | AETNA LIFE INSURANCE CO | $4K | $0 | $4K | 5.46% |
| ROSE & KIERNAN INC3 | PO BOX 786677 PHILADELPHIA, PA 19178 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $914 | $4K | 32.15% |
| NFP INSURANCE SERVICES INC5 | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $149 | $0 | $149 | 1.10% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC. | 159 WOLF RD SUITE 200 ALBANY, NY 12205 | ANTHEM HEALTH PLANS, INC. | $1K | $0 | $1K | 10.01% |
| ROSE & KIERNAN INC3 | PO BOX 786677 PHILADELPHIA, PA 19178 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $703 | $3K | 29.85% |
| NFP INSURANCE SERVICES INC5 | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $89 | $0 | $89 | 0.81% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC. | PO BOX 786677 PHILADELPHIA, PA 19178 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $580 | $2K | 20.77% |
| NFP INSURANCE SERVICES INC5 | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $54 | $0 | $54 | 0.52% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC. | 99 TROY ROAD EAST GREENBUSH, NY 12061 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $231 | $2K | 17.24% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG 2 STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $128 | $128 | 1.24% |
| ROSE & KIERNAN INC3 | PO BOX 786677 PHILADELPHIA, PA 19178 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $352 | $2K | 28.80% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $38 | $0 | $38 | 0.67% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC. | 99 TROY ROAD EAST GREENBUSH, NY 12061 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $751 | $100 | $851 | 16.99% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG 2 STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $56 | $56 | 1.12% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC. | 99 TROY ROAD EAST GREENBUSH, NY 12061 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $366 | $50 | $416 | 17.06% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG 2 STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $28 | $28 | 1.15% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC. | 99 TROY ROAD EAST GREENBUSH, NY 12061 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $187 | $38 | $225 | 13.27% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPTIAL OF TX HWY S BLDG 2 STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $21 | $21 | 1.24% |
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 | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO | 203 | $67K |
| Vision | ANTHEM HEALTH PLANS, INC. | 147 | $13K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 191 | $2K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 34 | $14K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 31 | $5K |
| Other(7 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 191 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 203 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.