| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSE & KIERNAN INC3 | 99 TROY ROAD PO BOX 640 EAST GREENBUSH, NY 12061 | CAPITAL DISTRICT PHYSICIANS HEALTH PLAN INC | $120K | $0 | $120K | 1.44% |
| ROSE & KIERNAN INC3 | 159 WOLF ROAD SUITE 200 ALBANY, NY 12205 | CAPITAL DISTRICT PHYSICIANS HEALTH PLAN INC | $598 | $0 | $598 | 0.10% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS | 144 TURNPIKE RD STE 330 SOUTHBOROUGH, MA 01772 | STANDARD OF NEW YORK | $21K | $10K | $31K | 17.32% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS | 144 TURNPIKE RD STE 330 SOUTHBOROUGH, MA 01772 | STANDARD OF NEW YORK | $9K | $4K | $13K | 18.00% |
| ROSE & KIERNAN INC3 | 99 TROY ROAD EAST GREENBUSH, NY 12061 | EMPIRE HEALTH CHOICE ASSURANCE INC | $2K | $213 | $2K | 4.50% |
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 | 1,384 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 330 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,714 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL DISTRICT PHYSICIANS HEALTH PLAN INC | 1,008 | $8.3M |
| Dental | DELTA DENTAL OF NEW YORK | 1,270 | $0 |
| Vision | EMPIRE HEALTH CHOICE ASSURANCE INC | 946 | $44K |
| Life insurance | STANDARD OF NEW YORK | 622 | $71K |
| Long-term disability | STANDARD OF NEW YORK | 640 | $179K |
| Prescription drug | CAPITAL DISTRICT PHYSICIANS HEALTH PLAN INC | 1,008 | $8.3M |
| Other | CAPITAL DISTRICT PHYSICIANS HEALTH PLAN INC | 1,008 | $8.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,270 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.