| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSE & KIERNAN INC3 | 99 TROY ROAD EAST GREENBUSH, NY 12061 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $104K | $456 | $105K | 3.77% |
| ROSE & KIERNAN INC3 Filed as: ROSE AND KEIRNAN INC | 99 TROY ROAD EAST GREENBUSH, NY 12061 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $6K | — | $6K | 5.00% |
| EDDY A SLOSHOWER3 Filed as: EDDY SLOSHOWER | 40 BRANDY LANE WAPPINGERS FALLS, NY 12590 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $4K | — | $4K | 6.10% |
| NANCY SCHNEIDER3 | 2591 SOUTH AVE WAPPINGERS FALLS, NY 12590 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $1K | — | $1K | 2.00% |
| EMPLOYEE FAMILY PROTECTION INC3 Filed as: EMPLOYEE FAMILY PROTECTION, INC. | PO BOX 1237 GLASTONBURY, CT 06033 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $8K | — | $8K | 14.02% |
| ROSE & KIERNAN INC3 | 99 TROY RD EAST GREENBUSH, NY 12061 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $5K | — | $5K | 8.06% |
| ROSE & KIERNAN INC3 | 99 TROY RD EAST GREENBUSH, NY 12061 | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | $3K | $87 | $3K | 14.92% |
| PATRICK J ROHAN3 | 18 BALFOUR DRIVE WAPPINGERS FALLS, NY 12590 | THE PAUL REVERE LIFE INSURANCE COMPANY | $283 | — | $283 | 2.87% |
| ACRISURE LLC3 | 40 CORPORATE AVE PLAINVILLE, CT 06062 | THE PAUL REVERE LIFE INSURANCE COMPANY | $168 | — | $168 | 1.70% |
| BRIAN STEBBINS3 | 1707 NORTH HAMPTON ST HOLYOKE, MA 01040 | THE PAUL REVERE LIFE INSURANCE COMPANY | $68 | — | $68 | 0.69% |
| ROSE & KIERNAN INC3 | PO BOX 640 EAST GREENBUSH, NY 12061 | THE PAUL REVERE LIFE INSURANCE COMPANY | $58 | — | $58 | 0.59% |
| DAVID L FLEURY3 | 56 STRAWBERRY LANE PORTSMOUTH, RI 02871 | THE PAUL REVERE LIFE INSURANCE COMPANY | $39 | — | $39 | 0.40% |
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 | 199 | 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) | 199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 199 | $2.8M |
| Dental | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 183 | $113K |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 199 | $2.8M |
| Life insurance(4 contracts, 4 carriers) | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | 377 | $153K |
| Short-term disability | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | 45 | $63K |
| Long-term disability(2 contracts, 2 carriers) | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 34 | $33K |
| Other(4 contracts, 4 carriers) | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | 377 | $153K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 377 | — |
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.