| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN INC. | PO BOX 640 99 TROY ROAD EAST GREENBUSH, NY 12061 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $2K | $9K | 10.41% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN INC. | PO BOX 640 99 TROY ROAD EAST GREENBUSH, NY 12061 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $1K | $4K | 17.41% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC. | 99 TROY RD EAST GREENBUSH, NY 12061 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $387 | $1K | 9.22% |
| EFP INC3 Filed as: EFP INC. | 90 KRIEGER LANE PO BOX 1237 GLASTONBURY, CT 06033 | TRUSTMARK INSURANCE COMPANY | $467 | $0 | $467 | 3.82% |
| ROSE & KIERNAN INC3 Filed as: ROSE AND KIERNAN, INC. | 99 TROY ROAD EAST GREENBUSH, NY 12061 | TRUSTMARK INSURANCE COMPANY | $251 | $0 | $251 | 2.05% |
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 | 393 | 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) | 393 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 468 | $89K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 468 | $89K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 640 | $15K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 332 | $25K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 468 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 640 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.