| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 1250 S CAPITAL OF TEXAS HWY-STE 600 WEST LAKE HILLS, TX 78746 | MVP HEALTHCARE | $47K | — | $47K | 3.15% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: MERIDIAN RISK MANAGEMENT,INC. | PO BOX 8419 PELHAM, NY 10803 | MVP HEALTHCARE | $11K | — | $11K | 0.74% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: MERIDIAN RISK MANAGEMENT, INC. | PO BOX 8419 PELHAM, NY 10803 | AETNA LIFE INSURANCE COMPANY | $2K | — | $2K | 4.19% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC. | 99 TROY ROAD EAST GREENBUSH, NY 12061 | MUTUAL OF OMAHA INSURANCE COMPANY | $3K | $821 | $4K | 13.90% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: MERIDIAN RISK MANAGEMENT INC | PO BOX 8419 PELHAM, NY 10803 | MUTUAL OF OMAHA INSURANCE COMPANY | $1K | — | $1K | 3.88% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $342 | $342 | 1.16% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC. | 99 TROY ROAD EAST GREENBUSH, NY 12061 | MUTUAL OF OMAHA INSURANCE COMPANY | $2K | $1K | $3K | 12.10% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: MERIDIAN RISK MANAGEMENT, INC. | PO BOX 8410 PELHAM, NY 10803 | MUTUAL OF OMAHA INSURANCE COMPANY | $597 | — | $597 | 2.43% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $463 | $463 | 1.88% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC. | 99 TROY ROAD EAST GREENBUSH, NY 12061 | COMPANION LIFE INSURANCE COMPANY | $911 | $259 | $1K | 9.48% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: MERIDIAN RISK MANAGEMENT, INC. | PO BOX 8419 PELHAM, NY 10803 | COMPANION LIFE INSURANCE COMPANY | $324 | — | $324 | 2.62% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | COMPANION LIFE INSURANCE COMPANY | — | $108 | $108 | 0.87% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC. | 99 TROY ROAD EAST GREENBUSH, NY 12061 | EYEMED VISION CARE | $686 | — | $686 | 7.26% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC | 99 TROY ROAD EAST GREENBUSH, NY 12061 | MUTUAL OF OMAHA INSURANCE COMPANY | $91 | $36 | $127 | 10.28% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: MERIDIAN RISK MANAGEMENT INC. | PO BOX 8419 PELHAM, NY 10803 | MUTUAL OF OMAHA INSURANCE COMPANY | $32 | — | $32 | 2.59% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 S CAPITAL OF TEXAS HWY WEST LAKE HILLS, TX 78746 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $15 | $15 | 1.21% |
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 | 172 | 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) | 172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MVP HEALTHCARE | 160 | $1.5M |
| Dental | AETNA LIFE INSURANCE COMPANY | 90 | $41K |
| Vision | EYEMED VISION CARE | 125 | $9K |
| Life insurance(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 172 | $14K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 172 | $25K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 172 | $30K |
| Other | MUTUAL OF OMAHA INSURANCE COMPANY | 172 | $1K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 172 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.