| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC. | 99 TROY RD. EAST GREENBUSH, NY 12061 | MVP HEALTHCARE | $37K | $0 | $37K | 4.22% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC | 99 TROY RD. EAST GREENBUSH, NY 12061 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $5K | $13K | 12.80% |
| REBECCA PITCHER3 | 46 SHULL ST ILION, NY 13357 | AFLAC | $2K | $137 | $2K | 3.69% |
| ALISHA K ROBINSON3 | PO BOX 272 OLD FORGE, NY 13420 | AFLAC | $1K | $134 | $1K | 3.08% |
| SHEILA ANN WILSON3 Filed as: SHEILA A WILSON | 36 SHARYL DR CENTRAL SQUARE, NY 13036 | AFLAC | $1K | $0 | $1K | 2.20% |
| JOSEPH P CALARCO3 | PO BOX 130 AUBURN, NY 13021 | AFLAC | $726 | $80 | $806 | 1.73% |
| JAMES MARTIN3 | 73 ELM ST APT 2 MALONE, NY 12953 | AFLAC | $190 | $0 | $190 | 0.41% |
| PENNY EATON3 | 7880 STEUBEN ST HOLLAND PATENT, NY 13354 | AFLAC | $109 | $49 | $158 | 0.34% |
| JAMES S STAATS JR3 | 83 LASHER RD SELKIRK, NY 12158 | AFLAC | $136 | $0 | $136 | 0.29% |
| MICHAEL P TUMBARELLO3 | 22 US OVAL STE 118 PLATTSBURGH, NY 12903 | AFLAC | $122 | $0 | $122 | 0.26% |
| EDWARD D YATES JR3 | 2063 COUNTY ROUTE 8 OSWEGO, NY 13126 | AFLAC | $122 | $0 | $122 | 0.26% |
| LAURA BOHANNON3 | 23 S MARVINE AVE AUBURN, NY 13021 | AFLAC | $80 | $32 | $112 | 0.24% |
| TIMOTHY SMITH3 | 7 CAMERON ST AUBURN, NY 13021 | AFLAC | $101 | $0 | $101 | 0.22% |
| THOMAS R PAQUIN3 | 1260 VESTAL AVE BINGHAMTON, NY 13903 | AFLAC | $98 | $0 | $98 | 0.21% |
| TERRENCE JAMES CONSIDINE3 | 23 STEWART PL CORTLAND, NY 13045 | AFLAC | $72 | $0 | $72 | 0.15% |
| TARA L BYMASTER3 | 447 STATE ROUTE 104A STERLING, NY 13156 | AFLAC | $69 | $0 | $69 | 0.15% |
| MICHELE K WITT3 | 1925 HOLLAND AVE UTICA, NY 13501 | AFLAC | $58 | $9 | $67 | 0.14% |
| SUSAN CHILLE3 Filed as: SUSAN E CHILLE | 12 ST THOMAS MORE DR WINCHESTER, MA 01890 | AFLAC | $63 | $0 | $63 | 0.13% |
| BRENDA MALANEY GORE3 | 717 S CLUB HOUSE RD VIRGINIA BEACH, VA 23452 | AFLAC | $58 | $0 | $58 | 0.12% |
| CATHY HEDBERG3 | 663 WESTERN AVE ALBANY, NY 12203 | AFLAC | $53 | $0 | $53 | 0.11% |
| KENNETH M TRAWICK3 | 85 HINMAN RD PULASKI, NY 13142 | AFLAC | $52 | $0 | $52 | 0.11% |
| BRAD JONES AND ASSOCIATES INC3 | 19 BRITISH AMERICAN BLVD LATHAM, NY 12110 | AFLAC | $41 | $0 | $41 | 0.09% |
| MEREDITH B KOST3 | 1 CAMPBELL DR KIRKWOOD, NY 13795 | AFLAC | $40 | $0 | $40 | 0.09% |
| JUSTIN M. BYMASTER3 Filed as: JUSTIN M BYMASTER | 447 STATE ROUTE 104A STERLING, NY 13156 | AFLAC | $32 | $0 | $32 | 0.07% |
| BETH SERFILIPPI3 | 8 HILLSTONE CT BALLSTON LAKE, NY 12019 | AFLAC | $29 | $0 | $29 | 0.06% |
| KRISTA ANNE ROTONDI3 | 5 PINE WEST PLZ STE 503 ALBANY, NY 12205 | AFLAC | $28 | $0 | $28 | 0.06% |
| NICHOLAS CALARCO3 | 162 YORK ST AUBURN, NY 13021 | AFLAC | $24 | $0 | $24 | 0.05% |
| DAWN PELLERIN3 Filed as: DAWN M PELLERIN | 34 TAMARACK DR NEW HARTFORD, NY 13413 | AFLAC | $24 | $0 | $24 | 0.05% |
| DARBY SMITH3 Filed as: DARBY L SMITH | 89 CEDAR ST APT 106 MORRISVILLE, NY 13408 | AFLAC | $23 | $0 | $23 | 0.05% |
| JEROME K CHENEY3 | 60 CHAPEL ST CANANDAIGUA, NY 14424 | AFLAC | $22 | $0 | $22 | 0.05% |
| KELLY A IRVINE3 | 15801 WHITE ORCHID LN FORT MYERS, FL 33908 | AFLAC | $21 | $0 | $21 | 0.04% |
| BRENDAN MCCARTHY AND CREW INC3 | 39 SAGINAW SR STE 2 ROCHESTER, NY 14623 | AFLAC | $21 | $0 | $21 | 0.04% |
| BENITO A ROTONDI II INC3 | 23 PINE RIDGE RD SARATOGA SPRINGS, NY 12866 | AFLAC | $15 | $0 | $15 | 0.03% |
| DUCK & COVER NY INC3 | 17 DALAMAR CT LATHAM, NY 12110 | AFLAC | $11 | $0 | $11 | 0.02% |
| PETER M NEEVES3 | PO BOX 161 PHOENIX, NY 13135 | AFLAC | $11 | $0 | $11 | 0.02% |
| SUSAN C BRIMHALL3 | PO BOX 8 LAKE PLACID, NY 12946 | AFLAC | $8 | $0 | $8 | 0.02% |
| KEVIN MURPHY3 | 11 WILLOWBROOK TER CLIFTON PARK, NY 12065 | AFLAC | $6 | $0 | $6 | 0.01% |
| DEBRA PARKER3 Filed as: DEBRA M PARKER | 20 BOWEN ST AUBURN, NY 13021 | AFLAC | $5 | $0 | $5 | 0.01% |
| JASMYN YAKUBEC3 Filed as: JASMYN KAREN YAKUBEC | 4249 STATE ROUTE 29 SALEM, NY 12865 | AFLAC | $5 | $0 | $5 | 0.01% |
| AMY PETERS3 | 20 WILLOW LN WYNANTSKILL, NY 12198 | AFLAC | $5 | $0 | $5 | 0.01% |
| RACHAEL HICKOK3 | 63 ACADEMY ST GREENWICH, NY 12834 | AFLAC | $4 | $0 | $4 | 0.01% |
| MARGARET A HICKS3 | PO BOX 72 STRATFORD, NY 13470 | AFLAC | $3 | $0 | $3 | 0.01% |
| MELISSA ANN STEWART3 | 36 WINCOMA LN QUEENSBURY, NY 12804 | AFLAC | $3 | $0 | $3 | 0.01% |
| DARRYL J YOUNG3 | 3820 GOLD CITY RD FRANKLIN, KY 42134 | AFLAC | $2 | $0 | $2 | 0.00% |
| JANINE FOX3 Filed as: JANINE M FOX | 18 HAVILAND DR SCHENECTADY, NY 12302 | AFLAC | $2 | $0 | $2 | 0.00% |
| TIMOTHY HENDERSON3 | 13 WILD LAUREL LN HILTON HEAD, SC 29926 | AFLAC | $2 | $0 | $2 | 0.00% |
| RUSSELL T BARRETT3 | 27 JULIANS WAY SARATOGA SPRINGS, NY 12866 | AFLAC | $2 | $0 | $2 | 0.00% |
| MCINERNEY GROUP LLC3 | 580 WHITE PLAINS RD STE 115 TARRYTOWN, NY 10591 | AFLAC | $1 | $0 | $1 | 0.00% |
| TOMAS E FLORES3 | 2030 HUDSON ST APT 942 FORT LEE, NJ 07024 | AFLAC | $0 | $0 | $0 | 0.00% |
| KEVIN MCCARTHY3 | 197 LANG DR NORTH KINGSTOWN, RI 02852 | AFLAC | $0 | $0 | $0 | 0.00% |
| ROSE & KIERNAN INC3 | PO BOX 640 EAST GREENBUSH, NY 120610640 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 15.04% |
| ROSE & KIERNAN INC5 | PO BOX 640 EAST GREENBUSH, NY 120610640 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $267 | $267 | 3.76% |
| 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 | $48 | $0 | $48 | 0.68% |
| ROBERT KUELZOW3 | 527 ROUTE 22 527 ROUTE 22 PAWLING, NY 125641218 | METROPOLITAN LIFE INSURANCE COMPANY | -$231 | $0 | -$231 | -3.25% |
| ROSE & KIERNAN INC3 | PO BOX 640 EAST GREENBUSH, NY 120610640 | METROPOLITAN LIFE INSURANCE COMPANY | $568 | $0 | $568 | 9.76% |
| ROSE & KIERNAN INC5 | PO BOX 640 EAST GREENBUSH, NY 120610640 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $189 | $189 | 3.25% |
| 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 | $34 | $0 | $34 | 0.58% |
| ROSE & KIERNAN INC3 | PO BOX 640 EAST GREENBUSH, NY 120610640 | METROPOLITAN LIFE INSURANCE COMPANY | $618 | $0 | $618 | 14.54% |
| ROSE & KIERNAN INC5 | PO BOX 640 EAST GREENBUSH, NY 120610640 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $154 | $154 | 3.62% |
| 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 | $28 | $0 | $28 | 0.66% |
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 | 129 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | MVP HEALTHCARE | 129 | $900K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 118 | $98K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 118 | $98K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 118 | $98K |
| Short-term disability | AFLAC | 51 | $47K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 118 | $98K |
| Other(4 contracts, 2 carriers) | AFLAC | 64 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 129 | — |
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.