| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 159 WOLF RD SUITE 200 ALBANY, NY 12205 | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | $282K | $0 | $282K | 2.43% |
| ROSE & KIERNAN INC3 | 159 WOLF RD SUITE 200 ALBANY, NY 12205 | ANTHEM BLUE CROSS | $12K | $0 | $12K | 2.00% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN | 159 WOLF RD SUITE 200 ALBANY, NY 12205 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $20K | $20K | 6.17% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN | 99 TROY RD EAST GREENBUSH, NY 12061 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $5K | $0 | $5K | 1.54% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN | 99 TROY RD EAST GREENBUSH, NY 12061 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $21K | $0 | $21K | 7.69% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN | 159 WOLF RD SUITE 200 ALBANY, NY 12205 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $13K | $13K | 4.80% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN | 159 WOLF RD SUITE 200 ALBANY, NY 12205 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $12K | $12K | 5.44% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN | 99 TROY RD EAST GREENBUSH, NY 12061 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $5K | $0 | $5K | 2.30% |
| ROSE & KIERNAN INC3 | PO BOX 786677 PHILADELPHIA, PA 19178 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $5K | $17K | 28.10% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $641 | $0 | $641 | 1.03% |
| ROSE & KIERNAN INC3 | 786677 PHILADELPHIA, PA 19178 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $4K | $20K | 34.97% |
| NFP INSURANCE SERVICES INC5 | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $612 | $0 | $612 | 1.08% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $808 | $0 | $808 | — |
| ROSE & KIERNAN INC3 | 159 WOLF RD STE 200 ALBANY, NY 12205 | METROPOLITAN LIFE INSURANCE COMPANY | -$54K | $0 | -$54K | — |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 787466446 | METROPOLITAN INSURANCE COMPANY | $15K | $0 | $15K | — |
| ROSE & KIERNAN INC3 | PO BOX 786677 PHILADELPHIA, PA 19178 | METROPOLITAN INSURANCE COMPANY | -$109K | $0 | -$109K | — |
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 | 1,298 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 26 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,324 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | 1,244 | $11.7M |
| Dental | ANTHEM BLUE CROSS | 1,464 | $602K |
| Vision | ANTHEM BLUE CROSS | 1,464 | $602K |
| Life insurance(2 contracts, 2 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 1,436 | $269K |
| Short-term disability(3 contracts, 3 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 1,552 | $324K |
| Long-term disability(2 contracts, 2 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 1,236 | $213K |
| Prescription drug | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | 1,244 | $11.6M |
| Other | METROPOLITAN INSURANCE COMPANY | 0 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,552 | — |
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.