| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN | 99 TROY RD EAST GREENBUSH, NY 12061 | DELTA DENTAL | $6K | — | $6K | 8.00% |
| EMPLOYEE FAMILY PROTECTION INC3 | PO BOX 1237 GLASTONBURY, CT 06033 | TRANSAMERICA | $5K | — | $5K | 17.83% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN | 99 TROY RD EAST GREENBUSH, NY 12061 | TRANSAMERICA | $3K | — | $3K | 9.90% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN | 99 TROY RD EAST GREENBUSH, NY 12061 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $663 | — | $663 | 4.46% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN | 99 TROY RD EAST GREENBUSH, NY 12061 | EMPRE HEALTHCHOICE ASSURANCE INC | $278 | — | $278 | 3.65% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN | 99 TROY RD EAST GREENBUSH, NY 12061 | UNITED CONCIERGE | $706 | — | $706 | 12.53% |
| ROSE & KIERNAN INC3 | 99 TROY RD EAST GREENBUSH, NY 12061 | BLUESHIELD OF NORTHEASTERN NEW YORK | $38K | — | $38K | — |
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 | 117 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUESHIELD OF NORTHEASTERN NEW YORK | 141 | $0 |
| Dental | DELTA DENTAL | 184 | $70K |
| Vision | EMPRE HEALTHCHOICE ASSURANCE INC | 141 | $8K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 31 | $15K |
| Other(3 contracts, 3 carriers) | TRANSAMERICA | 629 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 629 | — |
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.