| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSE & KIERNAN INC3 | 99 TROY ROAD EAST GREENBUSH, NY 12061 | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | $296K | — | $296K | 2.75% |
| ROSE & KIERNAN INC3 | PO BOX 640 99 TROY ROAD EAST GREENBUSH, NY 12061 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $29K | $28K | $56K | 9.77% |
| ROSE & KIERNAN INC3 | 99 TROY ROAD EAST GREENBUSH, NY 12061 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $35K | $6K | $41K | 15.38% |
| IBX INSURANCE SERVICES LLC3 | 1120 SANCTUARY PARKWAY SUITE 375 ALPHARETTA, GA 30009 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 2.00% |
| ROSE & KIERNAN INC3 | 99 TROY ROAD EAST GREENBUSH, NY 12061 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $6K | $12K | 5.33% |
| IBX INSURANCE SERVICES LLC3 | 1120 SANCTUARY PARKWAY SUITE 375 ALPHARETTAGA, GA 30009 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $114 | — | $114 | 0.05% |
| EMPLOYEE FAMILY PROTECTION INC3 Filed as: EMPLOYEE FAMILY PROTECTION, INC. | PO BOX 1237 GLASTONBURY, CT 06033 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $55K | — | $55K | 44.37% |
| ROSE & KIERNAN INC3 | 99 TROY ROAD EAST GREENBUSH, NY 12061 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $31K | — | $31K | 25.44% |
| ROSE & KIERNAN INC3 | 99 TROY ROAD EAST GREENBUSH, NY 12061 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $16K | $3K | $19K | 15.34% |
| IBX INSURANCE SERVICES LLC3 | 1120 SANCTUARY PARKWAY SUITE 375 ALPHARETTA, GA 30009 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 2.00% |
| ROSE & KIERNAN INC3 | 99 TROY ROAD EAST GREENBUSH, NY 12061 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $18K | $3K | $21K | 20.76% |
| IBX INSURANCE SERVICES LLC3 Filed as: IBX INSURANCE SERVICES LC | 1120 SANCTUARY PARKWAY SUITE 375 ALPARETTA, GA 30009 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 2.00% |
| ROSE & KIERNAN INC3 | 99 TROY ROAD EAST GREENBUSH, NY 12061 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $711 | $4K | 15.58% |
| IBX INSURANCE SERVICES LLC3 | 1120 SANCTUARY PARKWAY SUITE 375 ALPHARETTA, GA 30009 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $551 | — | $551 | 2.00% |
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 | 1,776 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,801 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | 1,941 | $10.8M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,372 | $577K |
| Life insurance | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,916 | $268K |
| Short-term disability(2 contracts) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,604 | $326K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,560 | $122K |
| Prescription drug | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | 1,941 | $10.8M |
| Other(3 contracts, 2 carriers) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 3,278 | $419K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,278 | — |
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.