| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSE & KIERNAN INC3 | 99 TROY ROAD EAST GREENBUSH, NY 12061 | MVP HEALTH CARE | $79K | $0 | $79K | 3.57% |
| ROSE & KIERNAN INC3 | 99 TROY ROAD EAST GREENBUSH, NY 12061 | SUN LIFE AND HEALTH INSURANCE COMPANY | $11K | $0 | $11K | 5.87% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 S CAPTIAL OF TX HWY AUSTIN, TX 78746 | SUN LIFE AND HEALTH INSURANCE COMPANY | — | $605 | $605 | 0.31% |
| ROSE & KIERNAN INC3 | 99 TROY ROAD EAST GREENBUSH, NY 12061 | DELTA DENTAL OF NEW YORK | $12K | $0 | $12K | 8.29% |
| ROSE & KIERNAN INC3 | PO BOX 640 EAST GREENBUSH, NY 120610640 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 13.10% |
| ROSE & KIERNAN INC5 | PO BOX 640 EAST GREENBUSH, NY 120610640 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 3.65% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 787466446 | METROPOLITAN LIFE INSURANCE COMPANY | $228 | $0 | $228 | 0.66% |
| ROSE & KIERNAN INC3 | 99 TROY ROAD EAST GREENBUSH, NY 12061 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $653 | $343 | $996 | 6.34% |
| ROSE & KIERNAN INC3 | 99 TROY ROAD EAST GREENBUSH, NY 12061 | UNITED CONCIERGE MEDICINE | $2K | $0 | $2K | 11.16% |
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 | 264 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 274 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MVP HEALTH CARE | 321 | $2.2M |
| Dental | DELTA DENTAL OF NEW YORK | 351 | $145K |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 303 | $16K |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY | 247 | $192K |
| Short-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY | 247 | $192K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY | 247 | $192K |
| Other(3 contracts, 3 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY | 389 | $241K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 389 | — |
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."
No prospect flags tripped on this filing.