| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN | 99 TROY ROAD EAST GREENBUSH, NY 12061 | MVP HEALTH CARE | $53K | — | $53K | 4.45% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN | 99 TROY ROAD EAST GREENBUSH, NY 12061 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 11.62% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN | 99 TROY ROAD EAST GREENBUSH, NY 12061 | DELTA DENTAL | $5K | — | $5K | 8.00% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN | 99 TROY ROAD EAST GREENBUSH, NY 12061 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $4K | — | $4K | 17.46% |
| EMPLOYEE FAMILY PROTECTION INC3 Filed as: EMPLOYEE FAMILY PROTECTION, INC | PO BOX 1237 GLASTONBRY, CT 06033 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $1K | — | $1K | 4.82% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN | 99 TROY ROAD EAST GREENBUSH, NY 12061 | UNITED CONCIERGE MEDICINE | $164 | — | $164 | 8.38% |
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 | 122 | 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) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MVP HEALTH CARE | 161 | $1.2M |
| Dental | DELTA DENTAL | 83 | $66K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 197 | $70K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 197 | $70K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 197 | $70K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 197 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 197 | — |
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.
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.