| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC | PO BOX 786677 PHILADELPHIA, PA 19178 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $184 | $2K | 21.76% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $92 | $0 | $92 | 1.03% |
| ROSE & KIERNAN INC3 | PO BOX 786677 PHILADELPHIA, PA 19178 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $184 | $2K | 21.76% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $92 | $0 | $92 | 1.03% |
| ROSE & KIERNAN INC3 | PO BOX 786677 PHILADELPHIA, PA 19178 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $147 | $1K | 16.22% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $61 | $0 | $61 | 0.73% |
| ROSE & KIERNAN INC3 | PO BOX 786677 PHILADELPHIA, PA 19178 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $37 | $37 | 0.44% |
| ROSE & KIERNAN INC3 | PO BOX 786677 PHILADELPHIA, PA 19178 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $126 | $2K | 20.96% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $58 | $0 | $58 | 0.80% |
| ROSE & KIERNAN INC3 | PO BOX 786677 PHILDADELPHIA, NY 19178 | METROPOLITAN LIFE INSURANCE COMPANY | — | $36 | $36 | 0.50% |
| ROSE & KIERNAN INC3 | PO BOX 786677 PHILADELPHIA, PA 19178 | METROPOLITAN LIFE INSURANCE COMPANY | $596 | $60 | $656 | 22.67% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $28 | $0 | $28 | 0.97% |
| ROSE & KIERNAN INC3 | PO BOX 786677 PHILADELPHIA, PA 19178 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $21 | $21 | 0.73% |
| NFP INSURANCE SERVICES INC Filed as: NFP CORPORATE SERVICES (NY) LLC | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | MVP HEALTH CARE | $54K | — | $54K | — |
| ROSE & KIERNAN INC Filed as: ROSE & KIERNAN, INC | PO BOX 640 EAST GREENBUSH, NY 12601 | MVP HEALTH CARE | $31 | — | $31 | — |
| ROSE & KIERNAN INC Filed as: ROSE & KIERNAN, INC | PO BOX 640 EAST GREENBUSH, NY 12601 | DELTA DENTAL | $5K | $4K | $9K | — |
| NFP INSURANCE SERVICES INC Filed as: NFP PROPERTY & CASUALITY SERVICE | 99 TROY ROAD EAST GREENBUSH, NY 12061 | GUARDIAN | $5K | — | $5K | — |
| NFP INSURANCE SERVICES INC Filed as: NFP CORPORATE SERVICES NY LLC | — | GUARDIAN | — | $560 | $560 | — |
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 | 87 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 87 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 90 | $19K |
| Dental | DELTA DENTAL | 95 | $0 |
| Vision | GUARDIAN | 135 | $0 |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 19 | $18K |
| Other(2 contracts, 2 carriers) | FABRIC TELEMEDICINE | 3 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 135 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.