| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN | 99 TROY RD E GREENBUSH, NY 12061 | BLUE SHIELD OF NE NY | $36K | — | $36K | 4.10% |
| ROSE & KIERNAN INC3 | 99 TROY RD E GREENBUSH, NY 12061 | EMPLIRE HEALTH CHOICE ASSURANCE | $2K | — | $2K | 5.00% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN | 99 TROY RD E GREENBUSH, NY 12061 | ANTHEM LIFE & DISABILITY INS CO. | $2K | — | $2K | 16.43% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN | 99 TROY RD E GREENBUSH, NY 12061 | EMPIRE HEALTH CHOICE ASSURANCE | $251 | — | $251 | 3.65% |
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 | 201 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 201 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE SHIELD OF NE NY | 138 | $888K |
| Dental | EMPLIRE HEALTH CHOICE ASSURANCE | 117 | $43K |
| Vision | EMPIRE HEALTH CHOICE ASSURANCE | 125 | $7K |
| Life insurance | ANTHEM LIFE & DISABILITY INS CO. | 201 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 201 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.