| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSE & KIERNAN INC3 | PO BOX 640 EAST GREENBUSH, NY 12061 | BLUESHIELD OF NORTHEASTERN NEW YORK | $257K | $0 | $257K | 3.03% |
| ROSE & KIERNAN INC3 | PO BOX 640 99 TROY ROAD EAST GREENBUSH, NY 12061 | DELTA DENTAL OF NEW YORK | $27K | $18K | $44K | 10.49% |
| ROSE & KIERNAN INC3 | 99 TROY ROAD EAST GREENBUSH, NY 12061 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $6K | $0 | $6K | 1.88% |
| ROSE & KIERNAN INC3 | 99 TROY ROAD EAST GREENBUSH, NY 12061 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $2K | $0 | $2K | 1.39% |
| ROSE & KIERNAN INC3 | 99 TROY ROAD EAST GREENBUSH, NY 12061 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $5K | $0 | $5K | 5.01% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC | 99 TROY ROAD EAST GREENBUSH, NY 12061 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $4K | $3K | $7K | 7.78% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC | 99 TROY ROAD EAST GREENBUSH, NY 12061 | UNITED CONCIERGE MEDICINE | $5K | $0 | $5K | 10.03% |
| ROSE & KIERNAN INC3 | PO BOX 640 EAST GREENBUSH, NY 120610640 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $0 | $6K | 15.72% |
| ROSE & KIERNAN INC5 | PO BOX 640 EAST GREENBUSH, NY 120610640 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 3.93% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 787466446 | METROPOLITAN LIFE INSURANCE COMPANY | $260 | $0 | $260 | 0.68% |
| ROSE & KIERNAN INC3 | PO BOX 640 EAST GREENBUSH, NY 120610640 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 11.46% |
| ROSE & KIERNAN INC5 | PO BOX 640 EAST GREENBUSH, NY 120610640 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 3.82% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 787466446 | METROPOLITAN LIFE INSURANCE COMPANY | $250 | $0 | $250 | 0.69% |
| ROSE & KIERNAN INC3 | PO BOX 640 EAST GREENBUSH, NY 120610640 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 15.21% |
| ROSE & KIERNAN INC5 | PO BOX 640 EAST GREENBUSH, NY 120610640 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $992 | $992 | 3.80% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY BLDG 2 AUSTIN, TX 787466446 | METROPOLITAN LIFE INSURANCE COMPANY | $179 | $0 | $179 | 0.69% |
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 | 1,306 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 48 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,365 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BLUESHIELD OF NORTHEASTERN NEW YORK | 979 | $8.6M |
| Dental | DELTA DENTAL OF NEW YORK | 1,240 | $423K |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 937 | $92K |
| Life insurance | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 1,306 | $308K |
| Short-term disability | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 334 | $113K |
| Long-term disability | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 1,306 | $99K |
| Prescription drug | BLUESHIELD OF NORTHEASTERN NEW YORK | 979 | $8.5M |
| Other(2 contracts, 2 carriers) | UNITED CONCIERGE MEDICINE | 820 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,306 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.