| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC. | 159 WOLF ROAD ALBANY, NY 12205 | HIGHMARK NORTHEASTERN NEW YORK | $37K | — | $37K | 3.49% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC. | 99 TROY ROAD EAST GREENBUSH, NY 12061 | GUARDIAN | $12K | — | $12K | 9.73% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP PROPERTY & CASUALTY SVCS INC | 159 WOLF ROAD STE 200 ALBANY, NY 12205 | HARTFORD LIFE AND ACCIDENT | $7K | — | $7K | 6.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10173 | HARTFORD LIFE AND ACCIDENT | — | $705 | $705 | 0.63% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC. | 159 WOLF ROAD STE 200 ALBANY, NY 122056008 | HM LIFE INSURANCE CO OF NY | $878 | — | $878 | 10.00% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC. | PO BOX 640 EAST GREENBUSH, NY 120610640 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $3K | $5K | 17553.57% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC. | 1250 S CAPTIAL OF TEXAS HWY, BLDG 2 AUSTIN, TX 787466446 | METROPOLITAN LIFE INSURANCE COMPANY | $288 | — | $288 | 1028.57% |
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 | 1,057 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,057 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK NORTHEASTERN NEW YORK | 159 | $1.1M |
| Dental(2 contracts, 2 carriers) | GUARDIAN | 251 | $123K |
| Vision | HM LIFE INSURANCE CO OF NY | 101 | $9K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 251 | $123K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 1,057 | $113K |
| Long-term disability(3 contracts, 3 carriers) | GUARDIAN | 1,057 | $236K |
| Other(3 contracts, 3 carriers) | HIGHMARK NORTHEASTERN NEW YORK | 251 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,057 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.