| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSE & KIERNAN INC3 | 159 WOLF RD SUITE 200 ALBANY, NY 12205 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $29K | $0 | $29K | 10.25% |
| ROSE & KIERNAN INC3 | 99 TROY ROAD PO BOX 640 EAST GREENBUSH, NY 12061 | MVP HEALTH CARE | $5K | $0 | $5K | 2.75% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC. | 99 TROY ROAD EAST GREENBUSH, NY 12061 | METROPOLITAN LIFE INSURANCE COMPANY | $40K | $35K | $75K | 67.72% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TX HWY BLDG 2 STE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 2.79% |
| ROSE & KIERNAN INC3 | 99 TROY ROAD PO BOX 640 EAST GREENBUSH, NY 12061 | UNITED CONCIERGE MEDICINE | $9K | $0 | $9K | 7.77% |
| NOT PROVIDED3 Filed as: NOT LISTED | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $4K | $4K | 4.50% |
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 | 1,430 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 41 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 76 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,547 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | 1,670 | $835K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 739 | $83K |
| Life insurance(2 contracts, 2 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 1,305 | $394K |
| Short-term disability(2 contracts, 2 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 1,305 | $394K |
| Long-term disability(2 contracts, 2 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 1,305 | $394K |
| Prescription drug(2 contracts, 2 carriers) | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | 1,670 | $835K |
| Other(4 contracts, 4 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 1,399 | $532K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,670 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.