| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVE, 21ST FLOOR NEW YORK, NY 10173 | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC | $64K | $0 | $64K | 3.35% |
| ROSE & KIERNAN INC3 | PO BOX 786677 PHILADELPHIA, PA 191786677 | DELTA DENTAL OF NEW YORK | $8K | $0 | $8K | 9.16% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP PROPERTY & CASUALTY SERVICE | 99 TROY ROAD EAST GREENBUSH, NY 12061 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $181 | $1K | 11.51% |
| ROSE & KIERNAN INC3 | PO BOX 786677 PHILADELPHIA, PA 191786677 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $241 | $3K | 23.49% |
| ROSE & KIERNAN INC3 | PO BOX 786677 PHILADELPHIA, PA 191786677 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $642 | $642 | 5.36% |
| ROSE & KIERNAN INC3 | PO BOX 786677 PHILADELPHIA, PA 191786677 | METROPOLITAN LIFE INSIRANCE COMPANY | $2K | $147 | $2K | 25.80% |
| ROSE & KIERNAN INC5 | PO BOX 786677 PHILADELPHIA, PA 191786677 | METROPOLITAN LIFE INSIRANCE COMPANY | $0 | $468 | $468 | 5.98% |
| ROSE & KIERNAN INC3 | PO BOX 786677 PHILADELPHIA, PA 191786677 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $152 | $2K | 20.90% |
| ROSE & KIERNAN INC3 | PO BOX 786677 PHILADELPHIA, PA 191786677 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $458 | $458 | 6.28% |
| ROSE & KIERNAN INC3 | PO BOX 786677 PHILADELPHIA, PA 191786677 | METROPOLITAN LIFE INSURANCE COMPANY | $647 | $56 | $703 | 19.46% |
| ROSE & KIERNAN INC3 | PO BOX 786677 PHILADELPHIA, PA 191786677 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $162 | $162 | 4.49% |
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 | 175 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 180 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC | 279 | $1.9M |
| Dental | DELTA DENTAL OF NEW YORK | 232 | $92K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 98 | $12K |
| Short-term disability | METROPOLITAN LIFE INSIRANCE COMPANY | 7 | $8K |
| Prescription drug | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC | 279 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 279 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.