| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC. | 99 TROY ROAD EAST GREENBUSH, NY 12069 | DELTA DENTAL OF NEW YORK | $6K | — | $6K | 10.42% |
| HEALTHJOY, LLC3 Filed as: HEALTHJOY INC. | 215 W SUPERIOR ST 5TH FLOOR CHICAGO, IL 60654 | UNITED CONCIERGE MEDICINE | $7K | — | $7K | 50.00% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC. | 99 TROY ROAD EAST GREENBUSH, NV 12069 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $502 | $2K | 19.03% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC. | 99 TROY ROAD EAST GREENBUSH, NY 12069 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $2K | — | $2K | 16.27% |
| EMPLOYEE FAMILY PROTECTION INC3 Filed as: EMPLOYEE FAMILY PROTECTION, INC. | PO BOX 1237 GLASTONBURY, CT 06033 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $261 | — | $261 | 2.48% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC. | 99 TROY ROAD EAST GREENBUSH, NY 12069 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $291 | $88 | $379 | 4.92% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC. | 99 TROY ROAD EAST GREENBUSH, NY 12069 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $424 | $112 | $536 | 18.98% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC. | 99 TROY ROAD EAST GREENBUSH, NY 12069 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $207 | $65 | $272 | 19.68% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC. | 99 TROY ROAD EAST GREENBUSH, NY 12069 | BLUESHIELD OF NORTHEASTERN NEW YORK | $32K | — | $32K | — |
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 | 178 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUESHIELD OF NORTHEASTERN NEW YORK | 158 | $0 |
| Dental | DELTA DENTAL OF NEW YORK | 115 | $53K |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 79 | $8K |
| Other(5 contracts, 3 carriers) | UNITED CONCIERGE MEDICINE | 158 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 158 | — |
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.