| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 159 WOLF RD SUITE 200 ALBANY, NY 12205 | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC | $65K | $0 | $65K | 3.65% |
| ROSE & KIERNAN INC3 | PO BOX 786677 PHILADELPHIA, PA 191786677 | 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 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 10.00% |
| ROSE & KIERNAN INC3 | PO BOX 786677 PHILADELPHIA, PA 191786677 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $63 | $3K | 23.59% |
| ROSE & KIERNAN INC3 | PO BOX 786677 PHILADELPHIA, PA 191786677 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $618 | $618 | 5.75% |
| 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 | $82 | $0 | $82 | 0.76% |
| ROSE & KIERNAN INC3 | PO BOX 786677 PHILADELPHIA, PA 191786677 | METROPOLITAN LIFE INSURANCE COMPANY | $968 | $24 | $992 | 18.48% |
| ROSE & KIERNAN INC3 | PO BOX 786677 PHILADELPHIA, PA 191786677 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $323 | $323 | 6.02% |
| 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 | $41 | $0 | $41 | 0.76% |
| ROSE & KIERNAN INC3 | PO BOX 786677 PHILADELPHIA, PA 191786677 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $25 | $1K | 25.33% |
| ROSE & KIERNAN INC3 | PO BOX 786677 PHILADELPHIA, PA 191786677 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $312 | $312 | 6.21% |
| 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 | $50 | $0 | $50 | 1.00% |
| ROSE & KIERNAN INC3 | PO BOX 786677 PHILADELPHIA, PA 191786677 | METROPOLITAN LIFE INSURANCE COMPANY | $670 | $17 | $687 | 22.81% |
| ROSE & KIERNAN INC3 | PO BOX 786677 PHILADELPHIA, PA 191786677 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $168 | $168 | 5.58% |
| 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 | $18 | $0 | $18 | 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 | 164 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 166 | 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 | 261 | $1.8M |
| Dental | DELTA DENTAL OF NEW YORK | 248 | $102K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 94 | $12K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 7 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 261 | — |
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.