| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN INC. | 99 TROY ROAD EAST GREENBUSH, NY 12061 | HARTFORD LIFE AND ACCIDENT | $15K | $1K | $16K | 12.84% |
| EMPLOYEE FAMILY PROTECTION INC3 Filed as: EMPLOYEE FAMILY PROTECTION, INC | PO BOX 1237 GLASTONBURY, CT 06033 | TRANSAMERICA | $10K | — | $10K | 17.66% |
| ROSE & KIERNAN INC3 | 99 TROY ROAD EAST GREEBUSH, NY 12061 | TRANSAMERICA | $4K | — | $4K | 6.73% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN INC. | 99 TROY ROAD EAST GREENBUSH, NY 12061 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $2K | $273 | $2K | 5.51% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN | PO BOX 640 EAST GREENBUSH, NY 12061 | BLUESHIELD OF NORTHEASTERN NEW YORK | $77K | — | $77K | — |
| DANIELLE M BRANCATO HOUSE3 Filed as: DANIELLE BRANCATO HOUSE | 4 CRESTMONT DR CLIFTON PARK, NY 12065 | AFLAC | $3K | $207 | $3K | — |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN INC. | PO BOX 640 EAST GREENBUSH, NY 12061 | AFLAC | $3K | — | $3K | — |
| BRIAN CLAYTON3 | 1219 VERMONT VIEW DR WATERVLIET, NY 12189 | AFLAC | $2K | $98 | $2K | — |
| KRISTA ANNE ROTONDI3 Filed as: KRISTA ROTONDI | 5 PINE WEST PLZ STE 503 ALBANY, NY 12205 | AFLAC | $1K | $69 | $1K | — |
| LUIGI GAZZILLO3 | 79 TEN BROECK STREET ALBANY, NY 12210 | AFLAC | $693 | — | $693 | — |
| CHERYL A ROTONDI3 Filed as: CHERYL ROTONDI | 352 USHERS RD BALLSTON LAKE, NY 12019 | AFLAC | $79 | — | $79 | — |
| BENITO A ROTONDI II INC3 Filed as: BENITO A ROTONDI II INC. | 23 PINE RIDGE RD SARATOGA SPRINGS, NY 12866 | AFLAC | $25 | — | $25 | — |
| SUSAN CHILLE3 | 12 ST THOMAS MORE DR WINCHESTER, MA 01890 | AFLAC | $25 | — | $25 | — |
| RUSSELL T BARRETT3 Filed as: RUSSELL BARRETT | 10 AZALEA DR SARATOGA SPRINGS, NY 12866 | AFLAC | $24 | — | $24 | — |
| SUSAN BRIMHALL3 | 3921 CAPE SAN BLAS RD PORT SAINT JOE, FL 32456 | AFLAC | $7 | — | $7 | — |
| BRAD JONES AND ASSOCIATES INC3 Filed as: BRAD JONES AND ASSOCIATES INC. | 19 BRITISH AMERICAN BLVD LATHAM, NY 12110 | AFLAC | $3 | — | $3 | — |
| DONALD GLEASON3 | 15D SHERIDAN VLG APT 2 SCHENECTADY, NY 12308 | AFLAC | $3 | — | $3 | — |
| DUCK & COVER NY INC3 Filed as: DUCK & COVER NY INC. | 17 DALAMAR CT LATHAM, NY 12110 | AFLAC | $2 | — | $2 | — |
| KELLY A IRVINE3 Filed as: KELLY IRVINE | 20620 EAST GOLDEN ELM DR ESTERO, FL 33928 | AFLAC | $2 | — | $2 | — |
| KENNETH J HANNAN3 Filed as: KENNETH HANNAN | 5 FRIAR TUCK CT CLIFTON PARK, NY 12065 | AFLAC | $2 | — | $2 | — |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC. | 99 TROY ROAD EAST GREENBUSH, NY 12061 | DELTA DENTAL OF NEW YORK | $5K | — | $5K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BROKERAGE CONCEPTS, INC. EIN 11-3667763 TPA FOR HRA/FLEX | Contract Administrator; Claims processing; Insurance agents and brokers Service code 12 | 801 LAKEVIEW DRIVE SUITE 301 BLUE BELL, PA 19422 | $26K |
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 | 483 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 487 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUESHIELD OF NORTHEASTERN NEW YORK | 492 | $0 |
| Dental | DELTA DENTAL OF NEW YORK | 608 | $0 |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 435 | $34K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 483 | $180K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 483 | $125K |
| Prescription drug | BLUESHIELD OF NORTHEASTERN NEW YORK | 492 | $0 |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 483 | $180K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 608 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.