| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSE & KIERNAN INC3 Filed as: ROSE AND KIERNAN | PO BOX 640 EAST GREENBUSH, NY 12061 | BLUESHEILD OF NORTHEASTERN NEW YORK | $49K | $0 | $49K | 2.94% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN INC. | 99 TROY RD EAST GREENBUSH, NY 12061 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $2K | $7K | 16.54% |
| EMPLOYEE FAMILY PROTECTION INC3 Filed as: EMPLOYEE FAMILY PROTECTION, INC. | P.O. BOX 1237 GLASTONBURY, CT 06033 | TRANSAMERICA LIFE INSURANCE COMPANY | $8K | $0 | $8K | 20.16% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN INC. | 99 TROY RD EAST GREENBUSH, NY 12061 | TRANSAMERICA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 11.50% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN INC. | 99 TROY RD PO BOX 640 EAST GREENBUSH, NY 12061 | UNITED CONCIERGE MEDICINE | $2K | $0 | $2K | 12.58% |
| EMPLOYEE FAMILY PROTECTION INC3 | 7771 WEST OAKLAND PARK BLVD STE 217 SUNRISE, FL 33351 | LEGAL CLUB OF AMERICA | $436 | $0 | $436 | 25.74% |
| ROSE & KIERNAN INC3 | 99 TROY RD EAST GREENBUSH, NY 12061 | LEGAL CLUB OF AMERICA | $281 | $0 | $281 | 16.59% |
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 | 285 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 295 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUESHEILD OF NORTHEASTERN NEW YORK | 285 | $1.7M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 160 | $43K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 235 | $81K |
| Short-term disability | TRANSAMERICA LIFE INSURANCE COMPANY | 235 | $38K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 160 | $43K |
| Prescription drug | BLUESHEILD OF NORTHEASTERN NEW YORK | 257 | $1.7M |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 235 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 285 | — |
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.
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.