| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSE & KIERNAN INC3 | 159 WOLF ROAD SUITE 200 ALBANY, NY 12205 | MVP HEALTHCARE | $82K | — | $82K | 2.12% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | — | MVP HEALTHCARE | $33K | — | $33K | 0.85% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 30339 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | $4K | $14K | 7.02% |
| ROSE & KIERNAN INC3 | 159 WOLF ROAD SUITE 200 ALBANY, NY 12205 | DELTA DENTAL OF NEW YORK | $11K | $7K | $19K | 10.00% |
| ROSE & KIERNAN INC3 | PO BOX 786677 PHILADELPHIA, PA 19178 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $2K | $10K | 28.82% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC. | 1250 S. CAPITAL OF TEXAS HIGHWAY BLDG 2 STE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $240 | — | $240 | 0.70% |
| ROSE & KIERNAN INC3 | 159 WOLF ROAD SUITE 200 ALBANY, NY 12205 | ANTHEM BLUE CROSS | $793 | — | $793 | 3.99% |
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 | 265 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 268 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MVP HEALTHCARE | 376 | $3.9M |
| Dental | DELTA DENTAL OF NEW YORK | 424 | $186K |
| Vision | ANTHEM BLUE CROSS | 351 | $20K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 269 | $202K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 269 | $202K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 269 | $202K |
| Prescription drug | MVP HEALTHCARE | 376 | $3.9M |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 269 | $236K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 424 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.