| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSE & KIERNAN INC3 Filed as: ROSE AND KIERNAN | PO BOX 640 EAST GREENBUSG, NY 12061 | METROPOLITAN LIFE INSURANCE | $1K | $316 | $1K | 17.14% |
| ROSE & KIERNAN INC3 Filed as: ROSE AND KIERNAN | 159 WOLF ROAD SUITE 200 ALBANY, NY 12205 | METROPOLITAN LIFE INSURANCE | $755 | $213 | $968 | 17.09% |
| ROSE & KIERNAN INC3 Filed as: ROSE AND KIERNAN | 159 WOLF RD SUITE 200 ALBANY, NY 12205 | METROPOLITAN LIFE INSURANCE | $515 | $193 | $708 | 13.26% |
| ROSE & KIERNAN INC3 Filed as: ROSE AND KIERNAN | 159 WOLF RD SUITE 200 ALBANY, NY 12205 | METROPOLITAN LIFE INSURANCE COMPANY | $314 | $89 | $403 | 17.26% |
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 | 93 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 93 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE | 69 | $13K |
| Short-term disability | METROPOLITAN LIFE INSURANCE | 24 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 69 | — |
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.