| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 159 WOLF RD SUITE 200 ALBANY, NY 12205 | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | $217K | $0 | $217K | 3.22% |
| ROSE & KIERNAN INC3 | 99 TROY RD. EAST GREENBUSH, NY 12061 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $13K | $18K | 5.10% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $3K | $3K | 0.93% |
| ROSE & KIERNAN INC3 | 99 TROY RD. EAST GREENBUSH, NY 12061 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $5K | $9K | 7.82% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.96% |
| ROSE & KIERNAN INC3 | 99 TROY RD. EAST GREENBUSH, NY 12061 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $4K | $9K | 8.69% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.01% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC | 159 WOLF RD SUITE 200 ALBANY, NY 12205 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $3K | $0 | $3K | 3.99% |
| ROSE & KIERNAN INC3 | 159 WOLF RD SUITE 200 ALBANY, NY 12205 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $2K | $7K | 13.84% |
| ROSE & KIERNAN INC3 | — | DELTA DENTAL OF NEW YORK | $6K | $0 | $6K | 11.60% |
| ROSE & KIERNAN INC3 | 159 WOLF RD SUITE 200 ALBANY, NY 12205 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $2K | $8K | 16.79% |
| ROSE & KIERNAN INC3 | 159 WOLF RD SUITE 200 ALBANY, NY 12205 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $835 | $4K | 16.82% |
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 | 1,311 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 22 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,341 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | 872 | $6.8M |
| Dental | DELTA DENTAL OF NEW YORK | 779 | $48K |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 1,515 | $85K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,351 | $355K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 373 | $120K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,708 | $109K |
| Prescription drug | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | 872 | $6.7M |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,351 | $408K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,708 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.