| 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 | $12K | — | $12K | 6.94% |
| ROSE & KIERNAN INC3 | 99 TROY ROAD EAST GREEBUSH, NY 12061 | TRANSAMERICA | $17K | — | $17K | 25.68% |
| EMPLOYEE FAMILY PROTECTION INC3 Filed as: EMPLOYEE FAMILY PROTECTION, INC | PO BOX 1237 GLASTONBURY, CT 06033 | TRANSAMERICA | $5K | — | $5K | 7.40% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN INC. | 99 TROY ROAD EAST GREENBUSH, NY 12061 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $2K | $985 | $3K | 7.72% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN | PO BOX 640 EAST GREENBUSH, NY 12061 | BLUESHIELD OF NORTHEASTERN NEW YORK | $86K | — | $86K | — |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC. | 99 TROY ROAD EAST GREENBUSH, NY 12061 | DELTA DENTAL OF NEW YORK | $5K | $714 | $5K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BROKERAGE CONCEPTS, INC. EIN 11-3667763 TPA FOR HRA/FLEX | Claims processing; Contract Administrator; Insurance agents and brokers Service code 12 | 801 LAKEVIEW DRIVE SUITE 301 BLUE BELL, PA 19422 | $27K |
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 | 529 | 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) | 529 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUESHIELD OF NORTHEASTERN NEW YORK | 482 | $0 |
| Dental | DELTA DENTAL OF NEW YORK | 665 | $0 |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 505 | $36K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 529 | $241K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 529 | $174K |
| Prescription drug | BLUESHIELD OF NORTHEASTERN NEW YORK | 482 | $0 |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 529 | $241K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 665 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.