| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF NY INC | 6 TOWER PLACE ALBANY, NY 12203 | MVP HEALTH SERVICES CORP | $66K | — | $66K | 4.38% |
| BROWN & BROWN INSURANCE SERVICES3 | 6 TOWER PLACE ALBANY, NY 12203 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $1K | $5K | 6.31% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN AND BROWN OF NEW YORK INC | 6 TOWER PL ALBANY, NY 12203 | METROPOLITAN LIFE INSURANCE COMPANY | $610 | — | $610 | 6.91% |
| ROSE & KIERNAN INC3 | — | METROPOLITAN LIFE INSURANCE COMPANY | $62 | — | $62 | 0.70% |
| NOT PROVIDED3 | — | METROPOLITAN LIFE INSURANCE COMPANY | — | $51 | $51 | 0.58% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | -$55 | — | -$55 | -0.62% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN AND BROWN OF NEW YORK INC | 6 TOWER PL ALBANY, NY 12203 | METROPOLITAN LIFE INSURANCE COMPANY | $772 | — | $772 | 9.66% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $126 | — | $126 | 1.58% |
| ROSE & KIERNAN INC3 | — | METROPOLITAN LIFE INSURANCE COMPANY | $65 | — | $65 | 0.81% |
| NOT PROVIDED3 | — | METROPOLITAN LIFE INSURANCE COMPANY | — | $51 | $51 | 0.64% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN AND BROWN OF NEW YORK INC | 6 TOWER PL ALBANY, NY 12203 | METROPOLITAN LIFE INSURANCE COMPANY | $719 | — | $719 | 9.30% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $93 | — | $93 | 1.20% |
| ROSE & KIERNAN INC3 | — | METROPOLITAN LIFE INSURANCE COMPANY | $58 | — | $58 | 0.75% |
| NOT PROVIDED3 | — | METROPOLITAN LIFE INSURANCE COMPANY | — | $51 | $51 | 0.66% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN AND BROWN OF NEW YORK INC | 6 TOWER PL ALBANY, NY 12203 | METROPOLITAN LIFE INSURANCE COMPANY | $414 | — | $414 | 8.70% |
| NOT PROVIDED3 | — | METROPOLITAN LIFE INSURANCE COMPANY | — | $51 | $51 | 1.07% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $49 | — | $49 | 1.03% |
| ROSE & KIERNAN INC3 | — | METROPOLITAN LIFE INSURANCE COMPANY | $26 | — | $26 | 0.55% |
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 | 120 | 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) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MVP HEALTH SERVICES CORP | 140 | $1.5M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 100 | $82K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 100 | $82K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 11 | $8K |
| Prescription drug | MVP HEALTH SERVICES CORP | 140 | $1.5M |
| Other(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 47 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 140 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.