| 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 | $57K | $0 | $57K | 3.17% |
| ROSE & KIERNAN INC3 | 159 WOLF RD STE 200 ALBANY, NY 122056007 | DELTA DENTAL OF NEW YORK | $6K | $4K | $10K | 10.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP PROPERTY & CASUALTY SERVICE | 99 TROY ROAD EAST GREENBUSH, NY 12061 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $413 | $2K | 13.58% |
| ROSE & KIERNAN INC3 | 159 WOLF RD STE 200 ALBANY, TX 122056007 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.51% |
| ROSE & KIERNAN INC3 | 159 WOLF RD STE 200 ALBANY, NY 122056007 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $412 | $412 | 3.88% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 787466446 | METROPOLITAN LIFE INSURANCE COMPANY | $81 | $0 | $81 | 0.76% |
| ROSE & KIERNAN INC3 | 159 WOLF RD STE 200 ALBANY, NY 122056007 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 15.25% |
| ROSE & KIERNAN INC5 | 159 WOLF RD STE 200 ALBANY, NY 122056007 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $252 | $252 | 3.81% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 787466446 | METROPOLITAN LIFE INSURANCE COMPANY | $53 | $0 | $53 | 0.80% |
| ROSE & KIERNAN INC3 | 159 WOLF RD STE 200 ALBANY, NY 122056007 | METROPOLITAN LIFE INSURANCE COMPANY | $603 | $0 | $603 | 9.87% |
| ROSE & KIERNAN INC3 | 159 WOLF RD STE 200 ALBANY, NY 122056007 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $201 | $201 | 3.29% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 787466446 | METROPOLITAN LIFE INSURANCE COMPANY | $44 | $0 | $44 | 0.72% |
| ROSE & KIERNAN INC3 | 159 WOLF RD STE 200 ALBANY, NY 122056007 | METROPOLITAN LIFE INSURANCE COMPANY | $361 | $0 | $361 | 12.85% |
| ROSE & KIERNAN INC3 | 159 WOLF RD STE 200 ALBANY, NY 122056007 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $90 | $90 | 3.20% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 787466446 | METROPOLITAN LIFE INSURANCE COMPANY | $17 | $0 | $17 | 0.60% |
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 | 161 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 167 | 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 | 277 | $1.8M |
| Dental | DELTA DENTAL OF NEW YORK | 243 | $99K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 190 | $12K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 6 | $7K |
| Prescription drug | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC | 277 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 277 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.