| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSE & KIERNAN INC3 | — | MVP HEALTH CARE | $77K | $0 | $77K | 2.09% |
| NFP INSURANCE SERVICES INC3 | — | MVP HEALTH CARE | $31K | $0 | $31K | 0.84% |
| ROSE & KIERNAN INC3 | — | DELTA DENTAL OF NEW YORK | $10K | $7K | $17K | 12.10% |
| ROSE & KIERNAN INC3 | 159 WOLF RD SUITE 200 ALBANY, NY 12205 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $4K | $4K | $8K | 7.24% |
| ROSE & KIERNAN INC3 | 159 WOLF RD SUITE 200 ALBANY, NY 12205 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $3K | $3K | $6K | 7.99% |
| ROSE & KIERNAN INC3 | 159 WOLF RD SUITE 200 ALBANY, NY 12205 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $5K | $3K | $7K | 10.64% |
| ROSE & KIERNAN INC3 | 159 WOLF RD STE 200 ALBANY, NY 12205 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $2K | $10K | 19.14% |
| ROSE & KIERNAN INC3 | PO BOX 786677 PHILADELPHIA, PA 19178 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $2K | $9K | 27.07% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $177 | $0 | $177 | 0.56% |
| ROSE & KIERNAN INC3 | 159 WOLF RD SUITE 200 ALBANY, NY 12205 | ANTHEM BLUE CROSS | $1K | $0 | $1K | 3.97% |
| ROSE & KIERNAN INC3 | PO BOX 786677 PHILADELPHIA, PA 19178 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $1K | $7K | 35.83% |
| NFP INSURANCE SERVICES INC5 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $138 | $0 | $138 | 0.66% |
| ROSE & KIERNAN INC3 | PO BOX 786677 PHILADELPHIA, PA 19178 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $854 | $5K | 35.39% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $88 | $0 | $88 | 0.63% |
| ROSE & KIERNAN INC3 | 159 WOLF RD SUITE 200 ALBANY, NY 12205 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $696 | $194 | $890 | 19.19% |
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 | 391 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 25 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 422 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MVP HEALTH CARE | 564 | $3.7M |
| Dental | DELTA DENTAL OF NEW YORK | 535 | $142K |
| Vision | ANTHEM BLUE CROSS | 468 | $25K |
| Life insurance(3 contracts, 2 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 370 | $138K |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 366 | $109K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 366 | $70K |
| Other(6 contracts, 3 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 370 | $205K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 564 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.