| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | — | MVP HEALTHCARE | $57K | $0 | $57K | 3.92% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN INC. | 99 TROY ROAD EAST GREENBUSH, NY 12061 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $8K | $0 | $8K | 11.16% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN INC. | 99 TROY RD EAST GREENBUSH, NY 12061 | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | $5K | $0 | $5K | 11.56% |
| ROSE & KIERNAN INC3 | 159 WOLF RD SUITE 200 ALBANY, NY 12205 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $498 | $2K | 17.66% |
| 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 | $63 | $0 | $63 | 0.56% |
| ROSE & KIERNAN INC3 | 159 WOLF RD STE 200 ALBANY, NY 12205 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $464 | $2K | 22.29% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 S CAPITAL OF TX HWY BLDG II STE 600 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $67 | $0 | $67 | 0.64% |
| ROSE & KIERNAN INC3 | 159 WOLF RD SUITE 200 ALBANY, NY 12205 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $435 | $2K | 23.79% |
| 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 | $78 | $0 | $78 | 0.85% |
| ROSE & KIERNAN INC3 | 159 WOLF RD SUITE 200 ALBANY, NY 12205 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $307 | $2K | 22.35% |
| 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 | $44 | $0 | $44 | 0.64% |
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 | 195 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MVP HEALTHCARE | 160 | $1.5M |
| Dental | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 160 | $70K |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 160 | $70K |
| Life insurance | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 226 | $47K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 21 | $10K |
| Long-term disability | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 226 | $47K |
| Other(4 contracts, 2 carriers) | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 226 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 226 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.