| 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 | $79 | $2K | 26.78% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN INC. | PO BOX 640 EAST GREENBUSH, NY 12061 | METROPOLITAN LIFE INSURANCE COMPANY | — | $513 | $513 | 6.05% |
| 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 | $62 | $0 | $62 | 0.73% |
| ROSE & KIERNAN INC3 | PO BOX 786677 PHILADELPHIA, PA 19178 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $45 | $1K | 18.11% |
| ROSE & KIERNAN INC3 | PO BOX 640 EAST GREENBUSH, NY 12061 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $339 | $339 | 5.44% |
| 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 | $37 | $0 | $37 | 0.59% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN INC. | PO BOX 786677 PHILADELPHIA, PA 19178 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $37 | $1K | 24.96% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN | PO BOX 640 EAST GREENBUSH, NY 12061 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $322 | $322 | 5.66% |
| 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 | $42 | $0 | $42 | 0.74% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN | PO BOX 786677 PHILADELPHIA, PA 19178 | METROPOLITAN LIFE INSURANCE COMPANY | $659 | $22 | $681 | 26.71% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN | PO BOX 640 EAST GREENBUSH, NY 12061 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $155 | $155 | 6.08% |
| 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 | $18 | $0 | $18 | 0.71% |
| NFP INSURANCE SERVICES INC Filed as: NFP PROPERTY & CASUALITY SERVICE | 99TROY ROAD EAST GREENBUSH, NY 12061 | GUARDIAN | $4K | — | $4K | — |
| ROSE & KIERNAN INC Filed as: ROSE & KIERNAN | PO BOX 640 EAST GREENBUSH, NY 12601 | DELTA DENTAL | $6K | $4K | $10K | — |
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 | 114 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 76 | $14K |
| Dental | DELTA DENTAL | 98 | $0 |
| Vision | GUARDIAN | 139 | $0 |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 20 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 139 | — |
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.