| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC. | 99 TROY ROAD EAST GREENBUSH, NY 12061 | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | $5K | $4K | $10K | 8.36% |
| LORRAINE RHODES3 | 1465 ROUTE 29 GALWAY, NY 12074 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.18% |
| BRIAN BEAUCHEMIN3 | 334 GRAY STREET HERKIMER, NY 13350 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.84% |
| DONALD H MATSON3 Filed as: DONALD MATSON | 8 ROSEWOOD DRIVE AUBURN, NY 13021 | THE PAUL REVERE LIFE INSURANCE COMPANY | $386 | $87 | $473 | 1.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GEORGE HILLENBRAND | 227 HILL ROAD COBLESKILL, NY 12043 | THE PAUL REVERE LIFE INSURANCE COMPANY | $195 | $0 | $195 | 0.47% |
| MELISSA PINE3 | 334 GRAY STREET HERKIMER, NY 13350 | THE PAUL REVERE LIFE INSURANCE COMPANY | $169 | $3 | $172 | 0.41% |
| AIKEN ENTERPRISES LLC3 | 341 GILLIGAN ROAD HUDSON, NY 12534 | THE PAUL REVERE LIFE INSURANCE COMPANY | $124 | $0 | $124 | 0.30% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | THE PAUL REVERE LIFE INSURANCE COMPANY | $32 | $0 | $32 | 0.08% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC. | 99 TROY ROAD EAST GREENBUSH, NY 12061 | UNITED CONCIERGE MEDICINE | $1K | $0 | $1K | 10.11% |
| JAEGER & FLYNN3 | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | EYEMED VISION CARE | $715 | $0 | $715 | 10.79% |
| LORRAINE RHODES3 | 1465 ROUTE 29 GALWAY, NY 12074 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | $0 | $32 | 6.20% |
| SUSAN GOLD STOKES3 Filed as: SUSAN STOKES | 17042 PINEHURST LANE #D HUNTINGTON BEACH, CA 92647 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $0 | $9 | 1.74% |
| ROSE & KIERNAN INC3 | PO BOX 640 EAST GREENBUSH, NY 12061 | BLUESHIELD OF NORTHEASTERN NEW YORK | $69K | $2.3M | $2.4M | — |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN | 99 TROY ROAD EAST GREENBUSH, NY 12061 | DELTA DENTAL OF NEW YORK | $1K | $321 | $1K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH NOW ADMINISTRATIVE SERVICES EIN 11-3667763 HRA ADMINISTRATOR | Insurance services; Contract Administrator Service code 13 | 512 TOWNSHIP LINE ROAD SUITE 110 BLUE BELL, PA 19422 | $11K |
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 | 240 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 250 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUESHIELD OF NORTHEASTERN NEW YORK | 293 | $0 |
| Dental | DELTA DENTAL OF NEW YORK | 301 | $0 |
| Vision(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 141 | $19K |
| Life insurance(3 contracts, 3 carriers) | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 240 | $157K |
| Short-term disability(3 contracts, 3 carriers) | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 240 | $157K |
| Long-term disability | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 240 | $115K |
| Prescription drug | BLUESHIELD OF NORTHEASTERN NEW YORK | 293 | $0 |
| Other | UNITED CONCIERGE MEDICINE | 172 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 301 | — |
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.