| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN INC. | 99 TROY ROAD EAST GREENBUSH, NY 12061 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $60K | $4K | $64K | 4.15% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN INC. | 99 TROY RD EAST GREENBUSH, NY 12061 | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | $6K | $208 | $6K | 14.30% |
| ROSE & KIERNAN INC3 | PO BOX 640 EAST GREENBUSH, NY 12061 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $519 | $2K | 20.98% |
| ROSE & KIERNAN INC5 | PO BOX 640 EAST GREENBUSH, NY 12061 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $417 | $417 | 4.00% |
| 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 | $76 | $0 | $76 | 0.73% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC. | 99 TROY ROAD EAST GREENBUSH, NY 12061 | UNITED CONCIERGE MEDICINA | $924 | $0 | $924 | 9.93% |
| ROSE & KIERNAN INC3 | PO BOX 640 EAST GREENBUSH, NY 12061 | METROPOLITAN LIFE INSURANCE COMPANY | $921 | $272 | $1K | 14.22% |
| ROSE & KIERNAN INC5 | PO BOX 640 EAST GREENBUSH, NY 12061 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $307 | $307 | 3.66% |
| NFP INSURANCE SERVICES INC5 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 | 0.44% |
| ROSE & KIERNAN INC3 | PO BOX 640 EAST GREENBUSH, NY 12061 | METROPOLITAN LIFE INSURANCE COMPANY | $931 | $311 | $1K | 21.35% |
| ROSE & KIERNAN INC5 | PO BOX 640 EAST GREENBUSH, NY 12061 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $233 | $233 | 4.01% |
| 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 | $47 | $0 | $47 | 0.81% |
| ROSE & KIERNAN INC3 | PO BOX 640 EAST GREENBUSH, NY 12061 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $870 | $2K | — |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY BLDG STE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $72 | $0 | $72 | — |
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 | 216 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 226 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 114 | $1.5M |
| Dental | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 114 | $1.5M |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 114 | $1.5M |
| Life insurance | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 211 | $43K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $0 |
| Long-term disability | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 211 | $43K |
| Other(5 contracts, 3 carriers) | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 211 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 211 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.