| 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. | $229K | $30K | $259K | 3.14% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC. | — | EXCELLUS BLUECROSS BLUESHIELD | $18K | — | $18K | 4.49% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO, INC. | SUITE 310 1305 WALT WHITMAN RD., MELVILLE, NY 11747 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $32K | — | $32K | 10.60% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC | — | INDEPENDENT HEALTH BENEFITS CORPORATION | $8K | — | $8K | 3.85% |
| 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% |
| 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 | $12K | — | $12K | 9.36% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC. | — | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $3K | $698 | $3K | 4.63% |
| 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 | $5K | — | $5K | 11.11% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO., INC. | SUITE 310 1305 WALT WHITMAN ROAD MELVILLE, NY 11747 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 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 | 983 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 989 | 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. | 1,221 | $8.9M |
| Dental(2 contracts, 2 carriers) | CAPITAL DISTRICT PHYSICIANS HEALTH PLAN INC. | 1,221 | $8.3M |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 1,119 | $72K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 892 | $128K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 854 | $134K |
| Prescription drug(2 contracts, 2 carriers) | CAPITAL DISTRICT PHYSICIANS HEALTH PLAN INC. | 1,221 | $8.7M |
| Other(4 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 983 | $519K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,221 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.