| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSE & KIERNAN INC3 | PO BOX 640 99 TROY ROAD EAST GREENBUSH, NY 12061 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $27K | $16K | $44K | 7.95% |
| ROSE & KIERNAN INC3 | 99 TROY ROAD EAST GREENBUSH, NY 12061 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $26K | $4K | $30K | 11.55% |
| EMPLOYEE FAMILY PROTECTION INC3 Filed as: EMPLOYEE FAMILY PROTECTION, INC. | PO BOX 1237 GLASTONBURY, CT 06033 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $33K | — | $33K | 18.96% |
| ROSE & KIERNAN INC3 | 99 TROY ROAD EAST GREENBUSH, NY 12061 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $18K | — | $18K | 10.68% |
| ROSE & KIERNAN INC3 | 99 TROY ROAD EAST GREENBUSH, NY 12061 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $17K | $2K | $19K | 16.35% |
| ROSE & KIERNAN INC3 | 99 TROY ROAD EAST GREENBUSH, NY 12061 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $14K | $2K | $16K | 14.62% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC | 99 TROY ROAD EAST GREENBUSH, NY 12061 | EMPIRE HEALTHCHOICE ASSURANCE, INC | $2K | — | $2K | 2.53% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC | 99 TROY ROAD EAST GREENBUSH, NY 12061 | UNITED CONCIERGE MEDICINE | $7K | — | $7K | 12.47% |
| ROSE & KIERNAN INC3 | 99 TROY ROAD EAST GREENBUSH, NY 12061 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $408 | $4K | 14.45% |
| IBX INSURANCE SERVICES LLC3 | 1120 SANCTUARY PARKWAY SUITE 375 ALPHARETTA, GA 30009 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $561 | — | $561 | 2.00% |
| ROSE & KIERNAN INC3 | 99 TROY ROAD EAST GREENBUSH, NY 12061 | BLUESHIELD OF NORTHEASTERN NEW YORK | $248K | — | $248K | — |
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 | 1,819 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 47 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,874 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUESHIELD OF NORTHEASTERN NEW YORK | 390 | $0 |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,106 | $550K |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC | 1,067 | $89K |
| Life insurance | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,811 | $263K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,225 | $107K |
| Prescription drug | BLUESHIELD OF NORTHEASTERN NEW YORK | 390 | $0 |
| Other(5 contracts, 3 carriers) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 4,286 | $632K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,286 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.