| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSE & KIERNAN INC Filed as: ROSE & KIERNAN | 99 TROY RD EAST GREENBUSH, NY 12061 | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | $4K | $0 | $4K | 4.31% |
| ENROLLEASE Filed as: JAEGER & FLYNN ASSOCIATES INC | 30 CORPORATE DR CLIFTON PARK, NY 12065 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $0 | $1K | 10.14% |
| JAEGER & FLYNN | 30 CORPORATE DR CLIFTON PARK, NY 12065 | EYE MED | $934 | $0 | $934 | 9.87% |
| ENROLLEASE Filed as: JAEGER & FLYNN ASSOCIATES INC | 30 CORPORATE DR CLIFTON PARK, NY 12065 | THE PAUL REVERE LIFE INSURANCE COMPANY | $169 | $0 | $169 | 6.60% |
| BROKERAGE CONCEPTS INC5 Filed as: BROKERAGE CONCEPTS, INC. | 801 LAKEVIEW DR SUITE 301 BLUE BELL, PA 19422 | BLUESHIELD OF NORTHEASTERN NEW YORK | $0 | $15K | $15K | — |
| ROSE & KIERNAN INC Filed as: ROSE & KIERNAN | PO BOX 640 EAST GREENBUSH, NY 12061 | BLUESHIELD OF NORTHEASTERN NEW YORK | $0 | $0 | $0 | — |
| ROSE & KIERNAN INC5 | 99 TROY RD EAST GREENBUSH, NY 12061 | DELTA DENTAL OF NEW YORK | $2K | $15K | $17K | — |
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 | 209 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 211 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 436 | $14K |
| Dental | DELTA DENTAL OF NEW YORK | 214 | $0 |
| Vision | EYE MED | 168 | $9K |
| Life insurance(2 contracts, 2 carriers) | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 264 | $86K |
| Short-term disability | THE PAUL REVERE LIFE INSURANCE COMPANY | 3 | $3K |
| Long-term disability | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 264 | $83K |
| Prescription drug | BLUESHIELD OF NORTHEASTERN NEW YORK | 436 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 436 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.