| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSE & KIERNAN INC3 Filed as: ROSE AND KIERNAN INC | TROY RD EAST GREENBUSH, NY 12061 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $213K | $8K | $222K | 3.72% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SVCS NY LLC | 420 LEXINGTON AVE STE 531 NEW YORK, NY 10170 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $25K | $0 | $25K | 0.41% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10017 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $0 | $6K | 2.26% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN INC. | 99 TROY ROAD EAST GREENBUSH, NY 12061 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $3K | $5K | 2.07% |
| ROSE & KIERNAN INC3 | 99 TROY ROAD EAST GREENBUSH, NY 12061 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $2K | $3K | 2.93% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LLC | 340 MADISON AVENUE 21ST FL NEW YORK, NY 10173 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 2.86% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE 21ST FL NEW YORK, NY 10173 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $0 | $5K | 4.42% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN INC. | 99 TROY ROAD EAST GREENBUSH, NY 12061 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $2K | $3K | 3.20% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN INC. | PO BOX 640 EAST GREENBUSH, NY 12061 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.58% |
| PATRICK J ROHAN3 | 18 BALFOUR DRIVE WAPPINGERS FALLS, NY 12590 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.35% |
| BRIAN STEBBINS3 | 1707 NORTH HAMPTON ST HOLYOKE, MA 01040 | THE PAUL REVERE LIFE INSURANCE COMPANY | $339 | $0 | $339 | 0.66% |
| KERRY PARSONS3 | 20 PEARSON ROAD HOLYOKE, MA 01040 | THE PAUL REVERE LIFE INSURANCE COMPANY | $289 | $0 | $289 | 0.56% |
| DAVID L FLEURY3 | 56 STRAWBERRY LANE PORTSMOUTH, RI 02871 | THE PAUL REVERE LIFE INSURANCE COMPANY | $238 | $0 | $238 | 0.46% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK RD SUTTON, MA 01590 | THE PAUL REVERE LIFE INSURANCE COMPANY | $110 | $8 | $118 | 0.23% |
| ROSE & KIERNAN INC3 | 99 TROY ROAD EAST GREENBUSH, NY 12061 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $507 | $3K | 8.87% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10017 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $914 | $0 | $914 | 2.55% |
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 | 839 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 839 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 1,063 | $6.0M |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 1,063 | $52K |
| Life insurance(2 contracts) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 839 | $143K |
| Short-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,612 | $255K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 696 | $104K |
| Other(5 contracts, 4 carriers) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 839 | $231K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,612 | — |
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.