| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE 21ST FL NEW YORK, NY 10173 | HIGHMARK WESTERN AND NORTHEASTERN NEW YORK INC. | $58K | $0 | $58K | 2.46% |
| ROSE & KIERNAN INC3 Filed as: ROSE AND KIERNAN INC | 99 TROY ROAD EAST GREENBUSH, NY 12061 | HIGHMARK WESTERN AND NORTHEASTERN NEW YORK INC. | $12K | $0 | $12K | 0.49% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP PROPERTY & CASUALTY SERVICE | 99 TROY ROAD EAST GREENBUSH, NY 12061 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | $0 | $14K | 5.58% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP PROPERTY & CASUALTY SVCS INC | 159 WOLF RD STE 200 ALBANY, NY 12205 | HARTFORD LIFE AND ACCIDENT | $11K | $0 | $11K | 9.67% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | P.O. BOX 786677 PHILADELPHIA, PA 19178 | HARTFORD LIFE AND ACCIDENT | $0 | $2K | $2K | 1.76% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 159 WOLF RD STE 200 ALBANY, NY 12205 | AFLAC | $4K | $0 | $4K | 8.46% |
| JENNIFER F HENDRICKS-FOGG3 | 413 GLEN AVE SCOTIA, NY 12302 | AFLAC | $3K | $337 | $4K | 8.10% |
| MELISSA ANN STEWART3 | 36 WINCOMA LN QUEENSBURY, NY 12804 | AFLAC | $812 | $66 | $878 | 1.93% |
| CHARLENE J BECKER3 | 737 MIDDLELINE RD BALLSTON SPA, NY 12020 | AFLAC | $490 | $33 | $523 | 1.15% |
| KRISTA ANNE ROTONDI3 | 5 HEMPHILL PL STE 220 BALLSTON SPA, NY 12020 | AFLAC | $451 | $33 | $484 | 1.06% |
| PIONEER INSURANCE AGENCY INC3 | PO BOX 11799 ALBANY, NY 12211 | AFLAC | $457 | $0 | $457 | 1.00% |
| MICHELLE NOLAN3 | 46 ESOPUS DR CLIFTON PARK, NY 12065 | AFLAC | $236 | $0 | $236 | 0.52% |
| DANIELLE M BRANCATO HOUSE3 | 21 THOROUGHBRED DR SARATOGA SPRINGS, NY 12866 | AFLAC | $179 | $0 | $179 | 0.39% |
| WARREN WEIL3 | 19 HEATHER DR GANSEVOORT, NY 12831 | AFLAC | $27 | $0 | $27 | 0.06% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING EMPLOYEE BEN | 30 CORPORATE DR CLIFTON PARK, NY 12065 | AFLAC | $15 | $0 | $15 | 0.03% |
| AMY PETERS3 | 20 WILLOW LN WYNANTSKILL, NY 12198 | AFLAC | $12 | $0 | $12 | 0.03% |
| KELLY A IRVINE3 | 15801 WHITE ORCHID LN FORT MYERS, FL 33908 | AFLAC | $8 | $0 | $8 | 0.02% |
| LISA J BRENNAN-JONES3 | 29 OAK LN LAKE GEORGE, NY 12845 | AFLAC | $4 | $0 | $4 | 0.01% |
| JEFF DALABA3 | 8500 GILLY FLOWER CT BALDWINSVILLE, NY 13027 | AFLAC | $1 | $0 | $1 | 0.00% |
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 | 291 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 291 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK WESTERN AND NORTHEASTERN NEW YORK INC. | 335 | $2.4M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 208 | $250K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 208 | $250K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 208 | $250K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 94 | $113K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 94 | $113K |
| Prescription drug | HIGHMARK WESTERN AND NORTHEASTERN NEW YORK INC. | 335 | $2.4M |
| Other | AFLAC | 39 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 335 | — |
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.