| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSE & KIERNAN INC3 | PO BOX 640 EAST GREENBUSH, NY 12061 | BLUESHIELD OF NORTHEASTERN NEW YORK | $244K | $0 | $244K | 3.00% |
| ROSE & KIERNAN INC3 | 99 TROY RD. EAST GREENBUSH, NY 12061 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $0 | $5K | 1.42% |
| ROSE & KIERNAN INC3 | 99 TROY RD. EAST GREENBUSH, NY 12061 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $0 | $5K | 4.00% |
| ROSE & KIERNAN INC3 | 99 TROY RD. EAST GREENBUSH, NY 12061 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $0 | $5K | 4.64% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC | 99 TROY ROAD EAST GREENBUSH, NY 12061 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $3K | $456 | $4K | 4.56% |
| ROSE & KIERNAN INC3 | PO BOX 640 EAST GREENBUSH, NY 120610640 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $2K | $8K | 15.70% |
| ROSE & KIERNAN INC5 | PO BOX 640 EAST GREENBUSH, NY 12061 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 4.28% |
| 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 | $0 | $369 | $369 | 0.69% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC | 99 TROY ROAD EAST GREENBUSH, NY 12061 | UNITED CONCIERGE MEDICINE | $3K | $0 | $3K | 7.74% |
| ROSE & KIERNAN INC3 | PO BOX 640 EAST GREENBUSH, NY 120610640 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $1K | $9K | 43.77% |
| ROSE & KIERNAN INC5 | PO BOX 640 EAST GREENBUSH, NY 120610640 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 9.12% |
| 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 | $314 | $0 | $314 | 1.55% |
| ROSE & KIERNAN INC3 | PO BOX 640 EAST GREENBUSH, NY 120610640 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $2K | $6K | 30.96% |
| ROSE & KIERNAN INC5 | PO BOX 640 EAST GREENBUSH, NY 120610640 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 10.46% |
| 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 | $172 | $0 | $172 | 0.85% |
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 | 1,350 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 36 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,394 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BLUESHIELD OF NORTHEASTERN NEW YORK | 901 | $8.2M |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 883 | $84K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,321 | $332K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 360 | $115K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,726 | $110K |
| Prescription drug | BLUESHIELD OF NORTHEASTERN NEW YORK | 901 | $8.1M |
| Other(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,321 | $428K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,726 | — |
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.