| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSE & KIERNAN INC3 | TROY ROAD EAST GREENBUSH, NY 12061 | CIGNA LIFE INSURANCE COMPANY AND AFFILIATES | $208K | $0 | $208K | 25.79% |
| ROSE & KIERNAN INC3 Filed as: ROSE AND KIERNAN, INC. | 99 TROY ROAD EAST GREENBUSH, NY 12061 | FIRST RELIANCE STANDARD LIFE INSURANCE CO. | $5K | $3K | $8K | 5.13% |
| ROSE & KIERNAN INC3 Filed as: ROSE AND KIERNAN, INC. | 99 TROY ROAD PO BOX 640 EAST GREENBUSH, NY 12061 | EMPIRE MEDIBLUE FREEDOM PPO | $4K | $0 | $4K | 2.95% |
| ROSE & KIERNAN INC3 Filed as: ROSE AND KIERNAN, INC. | 99 TROY ROAD EAST GREENBUSH, NY 12061 | FIRST RELIANCE STANDARD LIFE INSURANCE CO. | $5K | $2K | $7K | 6.02% |
| ROSE & KIERNAN INC3 Filed as: ROSE AND KIERNAN, INC. | 99 TROY ROAD EAST GREENBUSH, NY 12061 | FIRST RELIANCE STANDARD LIFE INSURANCE CO. | $7K | $2K | $9K | 8.45% |
| ROSE & KIERNAN INC3 Filed as: ROSE AND KIERNAN, INC. | 99 TROY ROAD, PO BOX 640 EAST GREENBUSH, NY 12061 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $2K | $0 | $2K | 4.00% |
| ROSE & KIERNAN INC3 Filed as: ROSE AND KIERNAN, INC. | 99 TROY ROAD PO BOX 640 EAST GREENBUSH, NY 12061 | THE PAUL REVERE LIFE INSURANCE COMPANY (COLONIAL) | $1K | $0 | $1K | 4.16% |
| PATRICK J ROHAN3 Filed as: PATRICK J. ROHAN | 18 BALFOUR DRIVE WAPPINGERS FALLS, NY 12590 | THE PAUL REVERE LIFE INSURANCE COMPANY (COLONIAL) | $1K | $18 | $1K | 3.74% |
| BRIAN STEBBINS3 | 150 LOWER WESTFIELD RD HOLYOKE, MA 01040 | THE PAUL REVERE LIFE INSURANCE COMPANY (COLONIAL) | $332 | $0 | $332 | 0.95% |
| DAVID L FLEURY3 Filed as: DAVID L. FLEURY | 545 SOUTH MAIN ST. PROVIDENCE, RI 02903 | THE PAUL REVERE LIFE INSURANCE COMPANY (COLONIAL) | $188 | $0 | $188 | 0.54% |
| ROSE & KIERNAN INC3 Filed as: ROSE AND KIERNAN, INC. | 99 TROY ROAD EAST GREENBUSH, NY 12061 | FIRST RELIANCE STANDARD LIFE INSURANCE CO. | $4K | $741 | $5K | 14.82% |
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 | 804 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 38 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 852 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CIGNA LIFE INSURANCE COMPANY AND AFFILIATES | 1,175 | $981K |
| Vision(2 contracts, 2 carriers) | EMPIRE MEDIBLUE FREEDOM PPO | 1,175 | $175K |
| Life insurance(3 contracts, 2 carriers) | FIRST RELIANCE STANDARD LIFE INSURANCE CO. | 802 | $181K |
| Short-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE CO. | 805 | $161K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE CO. | 701 | $102K |
| Prescription drug | CIGNA LIFE INSURANCE COMPANY AND AFFILIATES | 992 | $806K |
| Other(4 contracts, 3 carriers) | FIRST RELIANCE STANDARD LIFE INSURANCE CO. | 821 | $181K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,175 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.