| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN | PO BOX 640 EAST GREENBUSH, NY 12061 | BLUESHIELD OF NORTHEASTERN NEW YORK | $81K | $0 | $81K | 3.00% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN INC. | PO BOX 640 EAST GREENBUSH, NY 12061 | HARTFORD LIFE AND ACCIDENT | $17K | $0 | $17K | 8.87% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN INC. | PO BOX J PORT HENRY, NY 12974 | HARTFORD LIFE AND ACCIDENT | $0 | $2K | $2K | 1.24% |
| EMPLOYEE FAMILY PROTECTION INC3 Filed as: EMPLOYEE FAMILY PROTECTION, INC | PO BOX 1237 GLASTONBURY, CT 06033 | TRANSAMERICA | $12K | $0 | $12K | 25.50% |
| ROSE & KIERNAN INC3 | 99 TROY ROAD EAST GREEBUSH, NY 12061 | TRANSAMERICA | $2K | $0 | $2K | 3.72% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN INC. | 99 TROY ROAD EAST GREENBUSH, NY 12061 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $2K | $0 | $2K | 4.60% |
| DANIELLE M BRANCATO HOUSE3 Filed as: DANIELLE BRANCATO HOUSE | 4 CRESTMONT DR CLIFTON PARK, NY 12065 | AFLAC | $649 | $58 | $707 | 9.70% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN INC. | PO BOX 640 EAST GREENBUSH, NY 12061 | AFLAC | $507 | $0 | $507 | 6.95% |
| BRIAN CLAYTON3 | 1219 VERMONT VIEW DR WATERVLIET, NY 12189 | AFLAC | $414 | $0 | $414 | 5.68% |
| KRISTA ANNE ROTONDI3 Filed as: KRISTA ROTONDI | 5 PINE WEST PLZ STE 503 ALBANY, NY 12205 | AFLAC | $296 | $10 | $306 | 4.20% |
| CHERYL A ROTONDI3 Filed as: CHERYL ROTONDI | 352 USHERS RD BALLSTON LAKE, NY 12019 | AFLAC | $70 | $0 | $70 | 0.96% |
| BENITO A ROTONDI II INC3 Filed as: BENITO A ROTONDI II INC. | 23 PINE RIDGE RD SARATOGA SPRINGS, NY 12866 | AFLAC | $25 | $0 | $25 | 0.34% |
| RUSSELL T BARRETT3 Filed as: RUSSELL BARRETT | 10 AZALEA DR SARATOGA SPRINGS, NY 12866 | AFLAC | $23 | $0 | $23 | 0.32% |
| SUSAN CHILLE3 | 12 ST THOMAS MORE DR WINCHESTER, MA 01890 | AFLAC | $14 | $0 | $14 | 0.19% |
| MELISSA STEWART3 | 36 WINCOMA LN QUEENSBURY, NY 12804 | AFLAC | $10 | $0 | $10 | 0.14% |
| SUSAN BRIMHALL3 | 3921 CAPE SAN BLAS RD PORT SAINT JOE, FL 32456 | AFLAC | $4 | $0 | $4 | 0.05% |
| BRAD JONES AND ASSOCIATES INC3 Filed as: BRAD JONES AND ASSOCIATES INC. | 19 BRITISH AMERICAN BLVD LATHAM, NY 12110 | AFLAC | $3 | $0 | $3 | 0.04% |
| DUCK & COVER NY INC3 Filed as: DUCK & COVER NY INC. | 17 DALAMAR CT LATHAM, NY 12110 | AFLAC | $2 | $0 | $2 | 0.03% |
| KELLY A IRVINE3 Filed as: KELLY IRVINE | 20620 EAST GOLDEN ELM DR ESTERO, FL 33928 | AFLAC | $2 | $0 | $2 | 0.03% |
| DONALD GLEASON3 | 15D SHERIDAN VLG APT 2 SCHENECTADY, NY 12308 | AFLAC | $2 | $0 | $2 | 0.03% |
| KENNETH J HANNAN3 Filed as: KENNETH HANNAN | 5 FRIAR TUCK CT CLIFTON PARK, NY 12065 | AFLAC | $2 | $0 | $2 | 0.03% |
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 | 447 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 447 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUESHIELD OF NORTHEASTERN NEW YORK | 541 | $2.7M |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 566 | $35K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 706 | $243K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 447 | $195K |
| Prescription drug | BLUESHIELD OF NORTHEASTERN NEW YORK | 541 | $2.7M |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 706 | $250K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 706 | — |
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.