| 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 | $3K | $422 | $3K | 3.84% |
| LORRAINE RHODES3 | 4A KENSINGTON COURT CLIFTON PARK, NY 12065 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | — | $2K | 5.83% |
| BMB BENEFITS GROUP INC3 | 334 GRAY STREET HERKIMER, NY 13350 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | $201 | $2K | 5.32% |
| DONALD H MATSON3 | 8 ROSEWOOD DRIVE AUBURN, NY 13021 | THE PAUL REVERE LIFE INSURANCE COMPANY | $644 | $42 | $686 | 1.60% |
| MELISSA PINE3 Filed as: MELISSA BEAUCHEMIN | 334 GRAY STREET HERKIMER, NY 13350 | THE PAUL REVERE LIFE INSURANCE COMPANY | $210 | $19 | $229 | 0.54% |
| AIKEN ENTERPRISES LLC3 | 341 GILLIGAN ROAD HUDSON, NY 12534 | THE PAUL REVERE LIFE INSURANCE COMPANY | $105 | — | $105 | 0.25% |
| BRIAN BEAUCHEMIN3 | 334 GRAY STREET HERKIMER, NY 13350 | THE PAUL REVERE LIFE INSURANCE COMPANY | $46 | — | $46 | 0.11% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | THE PAUL REVERE LIFE INSURANCE COMPANY | $32 | — | $32 | 0.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GEORGE HILLENBRAND | 227 HILL ROAD COBLESKILL, NY 12043 | THE PAUL REVERE LIFE INSURANCE COMPANY | $28 | — | $28 | 0.07% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 9.14% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | UNITEDHEALTHCARE INSURANCE COMPANY | $111 | — | $111 | 0.86% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | EYEMED VISION CARE | $467 | — | $467 | 6.72% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES INC. | 42 SOUTH STREET GLENS FALLS, NY 12801 | EYEMED VISION CARE | $166 | — | $166 | 2.39% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 42 SOUTH STREET GLENS FALLS, NY 12801 | EYEMED VISION CARE | $57 | — | $57 | 0.82% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC. | 99 TROY ROAD EAST GREENBUSH, NY 12061 | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | $416 | $292 | $708 | 25.53% |
| LORRAINE RHODES3 | 4A KENSINGTON COURT CLIFTON PARK, NY 12065 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | — | $28 | 6.97% |
| SUSAN GOLD STOKES3 | 104 MISTY HOLLOW WAY HUNTSVILLE, AL 35806 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 1.99% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC. | 159 WOLF ROAD ALBANY, NY 12205 | HIGHMARK NORTHEASTERN NEW YORK | $51K | — | $51K | — |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | HIGHMARK NORTHEASTERN NEW YORK | $18K | — | $18K | — |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC. | 159 WOLF ROAD ALBANY, NY 12205 | DELTA DENTAL OF NEW YORK | $1K | — | $1K | — |
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 | 296 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 296 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK NORTHEASTERN NEW YORK | 296 | $0 |
| Dental | DELTA DENTAL OF NEW YORK | 182 | $0 |
| Vision(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 164 | $20K |
| Life insurance | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 240 | $89K |
| Short-term disability(3 contracts, 3 carriers) | THE PAUL REVERE LIFE INSURANCE COMPANY | 210 | $46K |
| Long-term disability | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 240 | $89K |
| Prescription drug | HIGHMARK NORTHEASTERN NEW YORK | 296 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 296 | — |
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.