| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $2K | $2K | 0.39% |
| ROSE & KIERNAN INC3 | 159 WOLF RD STE 200 ALBANY, NY 122056007 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $6 | $2K | 25.56% |
| ROSE & KIERNAN INC5 | 159 WOLF RD STE 200 ALBANY, NY 122056007 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $427 | $427 | 6.36% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVENUE STE 502 NORWALK, CT 068541700 | METROPOLITAN LIFE INSURANCE COMPANY | $234 | $12 | $246 | 3.66% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 787466446 | METROPOLITAN LIFE INSURANCE COMPANY | $52 | $0 | $52 | 0.77% |
| ROSE & KIERNAN INC3 | 159 WOLF RD STE 200 ALBANY, NY 122056007 | METROPOLITAN LIFE INSURANCE COMPANY | $934 | $5 | $939 | 15.82% |
| ROSE & KIERNAN INC5 | 159 WOLF RD STE 200 ALBANY, NY 122056007 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $311 | $311 | 5.24% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVENUE STE 502 NORWALK, CT 068541700 | METROPOLITAN LIFE INSURANCE COMPANY | $153 | $10 | $163 | 2.75% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 787466446 | METROPOLITAN LIFE INSURANCE COMPANY | $35 | $0 | $35 | 0.59% |
| ROSE & KIERNAN INC3 | 159 WOLF RD STE 200 ALBANY, NY 122056007 | METROPOLITAN LIFE INSURANCE COMPANY | $759 | $3 | $762 | 22.43% |
| ROSE & KIERNAN INC5 | 159 WOLF RD STE 200 ALBANY, NY 122056007 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $190 | $190 | 5.59% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVENUE STE 502 NORWALK, CT 068541700 | METROPOLITAN LIFE INSURANCE COMPANY | $109 | $5 | $114 | 3.36% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 787466446 | METROPOLITAN LIFE INSURANCE COMPANY | $22 | $0 | $22 | 0.65% |
| ROSE & KIERNAN INC3 | 159 WOLF RD STE 200 ALBANY, NY 122056007 | METROPOLITAN LIFE INSURANCE COMPANY | $774 | $2 | $776 | 30.17% |
| ROSE & KIERNAN INC5 | 159 WOLF RD STE 200 ALBANY, NY 122056007 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $258 | $258 | 10.03% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVENUE STE 502 NORWALK, CT 068541700 | METROPOLITAN LIFE INSURANCE COMPANY | $41 | $3 | $44 | 1.71% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 787466446 | METROPOLITAN LIFE INSURANCE COMPANY | $35 | $0 | $35 | 1.36% |
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 | 121 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 129 | $611K |
| Dental | DELTA DENTAL OF CONNECTICUT, INC | 167 | $47K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | 133 | $1K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 0 | $0 |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3 | $3K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 0 | $0 |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 129 | $611K |
| Other(5 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 42 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 167 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.