| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSE & KIERNAN INC3 | 90 TROY ROAD EAST GREENBUSH, NY 12061 | MVP HEALTHCARE | $45K | — | $45K | 3.48% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN INC. | 99 TROY RD. EAST GREENBUSH, NY 12061 | HEALTHNOW NEW YORK INC DBA BLUE CROSS BLUE SHIELD OF WESTERN NEW YORK | — | — | $0 | 0.00% |
| ROSE & KIERNAN INC3 | 90 TROY ROAD EAST GREENBUSH, NY 12061 | DELTA DENTAL OF NEW YORK | $12K | — | $12K | 10.00% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN | 90 TROY ROAD EAST GREENBUSH, NY 12061 | EXCELLUS BLUE CROSS BLUE SHIELD | $4K | — | $4K | 3.94% |
| ROSE & KIERNAN INC3 | 99 TROY ROAD EAST GREENBUSH, NY 12061 | CAPITAL DISTRICT PHYSICIANS' HEALTH PLAN | $2K | — | $2K | 3.00% |
| ROSE & KIERNAN INC3 | 90 TROY ROAD EAST GREENBUSH, NY 12061 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | — | $2K | 8.10% |
| ROSE & KIERNAN INC3 | 90 TROY ROAD EAST GREENBUSH, NY 12061 | EYEMED VISION CARE ON BEHALF OF THE FOREST T. JONES/STANDARD LIFE INS | $2K | — | $2K | 10.06% |
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 | 285 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 285 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 5 carriers) | INDEPENDENT HEALTH | 176 | $8.9M |
| Dental | DELTA DENTAL OF NEW YORK | 355 | $123K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FOREST T. JONES/STANDARD LIFE INS | 181 | $17K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 285 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 355 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.