| 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 | $36K | $0 | $36K | 4.05% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC | 99 TROY RD. EAST GREENBUSH, NY 12061 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $5K | $12K | 12.45% |
| MULTIPLE BROKERS3 | — | AFLAC | $4K | $141 | $5K | 10.70% |
| ROSE & KIERNAN INC3 | PO BOX 640 EAST GREENBUSH, NY 120610640 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $747 | $2K | 29.78% |
| 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 | $51 | $0 | $51 | 0.76% |
| ROSE & KIERNAN INC3 | PO BOX 640 EAST GREENBUSH, NY 120610640 | METROPOLITAN LIFE INSURANCE COMPANY | $776 | $593 | $1K | 25.92% |
| 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 | $43 | $0 | $43 | 0.81% |
| ROSE & KIERNAN INC3 | PO BOX 640 EAST GREENBUSH, NY 120610640 | METROPOLITAN LIFE INSURANCE COMPANY | $830 | $496 | $1K | 29.51% |
| 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 | 0.76% |
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 | 159 | 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) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | MVP HEALTHCARE | 159 | $914K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 119 | $96K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 119 | $96K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 119 | $96K |
| Short-term disability | AFLAC | 51 | $42K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 119 | $96K |
| Other(4 contracts, 2 carriers) | AFLAC | 84 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.