| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSE & KIERNAN INC3 | 99 TROY ROAD EAST GREENBUSH, NY 12061 | FIRST RELIANCE STANDARD | $26K | $0 | $26K | 7.68% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 650 E CARMEL DR STE 400 CARMEL, IN 46032 | FIRST RELIANCE STANDARD | $25K | $0 | $25K | 7.32% |
| ROSE & KIERNAN INC3 | 99 TROY ROAD EAST GREENBUSH, NY 12061 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $14K | $0 | $14K | 7.27% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 650 EAST CARMEL DRIVE, SUITE 400 CARMEL, IN 46032 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $13K | $0 | $13K | 6.73% |
| ROSE & KIERNAN INC3 | 99 TROY ROAD EAST GREENBUSH, NY 12061 | FIRST RELIANCE STANDARD | $12K | $0 | $12K | 7.95% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 650 E CARMEL DR STE 400 CARMEL, IN 46032 | FIRST RELIANCE STANDARD | $11K | $0 | $11K | 7.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, SUITE 1000 ROLLING MEADOWS, IL 60008 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | $0 | $10K | 10.42% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 70 NE LOOP 410, SUITE 325 SAN ANTONIO, TX 78216 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 1.61% |
| JACQUELYN WILLIAMS3 | 136 SOUTH ROAD WHITEHALL, NY 12887 | CONTINENTAL AMERICAN INSURANCE COMPANY | $395 | $0 | $395 | 0.41% |
| MELISSA A. STEWART3 | 184 EDIE ROAD, SUITE A SARATOGA, NY 12866 | CONTINENTAL AMERICAN INSURANCE COMPANY | $309 | $0 | $309 | 0.32% |
| KRISTIN KOLIADA3 | 16 GREENWAY NORTH QUEENSBURY, NY 12804 | CONTINENTAL AMERICAN INSURANCE COMPANY | $228 | $0 | $228 | 0.24% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 99 TROY RD PO BOX 640 EAST GREENBUSH, NY 12061 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | $0 | $17 | 0.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | FIRST UNUM LIFE INSURANCE COMPANY | $6K | $0 | $6K | 7.85% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | PO BOX 9101 PLAINVIEW, NY 11803 | FIRST UNUM LIFE INSURANCE COMPANY | $5K | $0 | $5K | 6.98% |
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 | 923 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 21 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 957 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL DISTRICT PHYSICIANS HEALTH PLAN INC. | 1,642 | $8.7M |
| Life insurance | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 877 | $186K |
| Short-term disability | FIRST RELIANCE STANDARD | 215 | $153K |
| Long-term disability | FIRST RELIANCE STANDARD | 818 | $338K |
| Other(4 contracts, 4 carriers) | FIRST RELIANCE STANDARD | 877 | $697K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,642 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.