| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC. | ROBERT KUETZOW, 99 TROY ROAD EAST GREENBUSH, NY 12061 | CAPITAL DISTRICT PHYSICIANS HEALTH PLAN INC. | $233K | $26K | $259K | 3.21% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC. | — | EXCELLUS BLUECROSS BLUESHIELD | $18K | — | $18K | 4.50% |
| LIFETIME FINANCIAL GROWTH CO O4 Filed as: LIFETIME BENEFITS SOLUTIONS, INC. | — | EXCELLUS BLUECROSS BLUESHIELD | — | $2K | $2K | 0.46% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO, INC. | SUITE 310 1305 WALT WHITMAN RD., MELVILLE, NY 11747 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $31K | — | $31K | 10.60% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC | — | INDEPENDENT HEALTH BENEFITS CORPORATION | $7K | — | $7K | 3.85% |
| NOVA HEALTHCARE ADMINISTRATORS, INC4 | — | INDEPENDENT HEALTH BENEFITS CORPORATION | — | $1K | $1K | 0.76% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO., INC. | SUITE 310 1305 WALT WHITMAN RD., MELVILLE, NY 11747 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $16K | — | $16K | 12.20% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO., INC. | SUITE 310 1305 WALT WHITMAN RD., MELVILLE, NY 11747 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 9.36% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO., INC. | SUITE 310 1305 WALT WHITMAN ROAD MELVILLE, NY 11747 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | — | $0 | 0.00% |
| BENETECH INC3 | 3333 PINNACLE HILL PKWY SUITE 250 ROGERS, AR 72758 | THE GUARDIAN LIFE INSURANCE CO. OF AMERICA | $9K | — | $9K | 18.10% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC. | — | UNITED CONCIERGE MEDICINE | $2K | — | $2K | 9.26% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO., INC. | SUITE 310 1305 WALT WHITMAN ROAD MELVILLE, NY 11747 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 10.00% |
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 | 944 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 952 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CAPITAL DISTRICT PHYSICIANS HEALTH PLAN INC. | 1,228 | $8.6M |
| Dental(2 contracts, 2 carriers) | CAPITAL DISTRICT PHYSICIANS HEALTH PLAN INC. | 1,228 | $8.1M |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 857 | $120K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 831 | $129K |
| Prescription drug(2 contracts, 2 carriers) | CAPITAL DISTRICT PHYSICIANS HEALTH PLAN INC. | 1,228 | $8.4M |
| Other(4 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 944 | $419K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,228 | — |
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.