| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSE & KIERNAN INC3 Filed as: ROSE AND KIERNAN INC | 99 TROY ROAD EAST GREENBUSH, NY 12061 | EMPIRE HEALTHCHOICE ASSURANCE INC | $51K | $6K | $57K | 4.09% |
| CHRISTINA A TRONCO3 | 652 ALBANY SHAKER ROAD ALBANY, NY 12211 | EMPIRE HEALTHCHOICE ASSURANCE INC | $5K | — | $5K | 0.34% |
| ROSE & KIERNAN INC3 Filed as: ROSE AND KIERNAN INC | 99 TROY ROAD EAST GREENBUSH, NY 12061 | EMPIRE HEALTHCHOICE ASSURANCE INC | $4K | — | $4K | 5.00% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC | 99 TROY ROAD EAST GREENBUSH, NY 12061 | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC | $2K | — | $2K | 3.41% |
| VARIOUS - SEE ATTACHED3 | 5 BERKSHIRE DR EAST GREENBUSH, NY 12061 | AFLAC | $25K | $26 | $25K | 46.11% |
| ROSE & KIERNAN INC3 Filed as: ROSE AND KIERNAN | 99 TROY ROAD EAST GREENBUSH, NY 12061 | UNITED CONCIERGE MEDICINE | $630 | — | $630 | 5.11% |
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 | 256 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 270 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | EMPIRE HEALTHCHOICE ASSURANCE INC | 265 | $1.5M |
| Dental | EMPIRE HEALTHCHOICE ASSURANCE INC | 167 | $89K |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE INC | 265 | $1.4M |
| Other(3 contracts, 3 carriers) | AFLAC | 256 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 265 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.