| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSE & KIERNAN INC3 | 99 TROY ROAD EAST GREENBUSH, NY 12061 | EMPIRE HEALTHCHOICE ASSURANCE INC. | $94K | $9K | $103K | 2.62% |
| EDDY A SLOSHOWER3 Filed as: EDDY SLOSHOWER | 40 BRANDY LANE WAPPINGERS FALLS, NY 12590 | ALLSTATE | $5K | $0 | $5K | 6.25% |
| NANCY SCHNEIDER3 | 2591 SOUTH AVE WAPPINGERS FALLS, NY 12590 | ALLSTATE | $2K | $0 | $2K | 2.68% |
| EMPLOYEE FAMILY PROTECTION INC3 Filed as: EMPLOYEE FAMILY PROCTECTION, INC. | PO BOX 1237 GLASTONBURY, CT 06033 | TRANSAMERICA LIFE INSURANCE COMPANY | $10K | $0 | $10K | 20.02% |
| ROSE & KIERNAN INC3 | 99 TROY RD EAST GREENBUSH, NY 12061 | TRANSAMERICA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 10.89% |
| ROSE & KIERNAN INC3 | 99 TROY RD EAST GREENBUSH, NY 12061 | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | $3K | $0 | $3K | 13.10% |
| THE HEALTH CONSULTANTS GROUP LLC3 Filed as: THE HEALTH CONSULTANTS GROUP | 40 CORPORATE AVE PLAINVILLE, CT 06062 | THE PAUL REVERE LIFE INSURANCE COMPANY | $340 | $0 | $340 | 2.19% |
| PATRICK J ROHAN3 | 18 BALFOUR DRIVE WAPPINGERS FALLS, NY 12590 | THE PAUL REVERE LIFE INSURANCE COMPANY | $155 | $0 | $155 | 1.00% |
| BRIAN STEBBINS3 | 1707 NORTH HAMPTON ST15553. HOLYOKE, MA 01040 | THE PAUL REVERE LIFE INSURANCE COMPANY | $103 | $0 | $103 | 0.66% |
| DAVID L FLEURY3 | 545 SOUTH MAIN ST PROVIDENCE, RI 02903 | THE PAUL REVERE LIFE INSURANCE COMPANY | $59 | $0 | $59 | 0.38% |
| ROSE & KIERNAN INC3 | PO BOX 640 EAST GREENBUSH, NY 12061 | THE PAUL REVERE LIFE INSURANCE COMPANY | $30 | $0 | $30 | 0.19% |
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 | 197 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | EMPIRE HEALTHCHOICE ASSURANCE INC. | 388 | $4.0M |
| Dental | EMPIRE HEALTHCHOICE ASSURANCE INC. | 388 | $3.9M |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE INC. | 388 | $3.9M |
| Life insurance(3 contracts, 3 carriers) | ALLSTATE | 57 | $119K |
| Short-term disability | THE PAUL REVERE LIFE INSURANCE COMPANY | 14 | $16K |
| Long-term disability | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 46 | $24K |
| Other(3 contracts, 3 carriers) | ALLSTATE | 490 | $143K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 490 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.