| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC | 99 TROY ROAD EAST GREENBUSH, NY 12061 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $3.8M | — | $3.8M | 605.12% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, | 99 TROY ROAD EAST GREENBUSH, NY 12061 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $22K | $3K | $25K | 11.24% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, | 99 TROY ROAD EAST GREENBUSH, NY 12061 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $5K | — | $5K | 4.62% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, | 99 TROY ROAD EAST GREENBUSH, NY 12061 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $246 | $4K | 21.33% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, | 99 TROY ROAD EAST GREENBUSH, NY 12061 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $213 | $24 | $237 | 12.24% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTH CARE SERVICES, INC. EIN 41-1289245 CLAIM PROCESSOR | Claims processing; Other services Service code 12 | 6095 MARSHALEE DRIVE ELKRIDGE, MD 21075 | $1.2M |
| ROSE & KIERNAN, EIN 14-1559111 BROKER | Other commissions Service code 55 | 99 TROY ROAD EAST GREENBUSH, NY 12061 | $0 |
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 | 1,383 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,383 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNIVERSITY HEALTH ALLIANCE | 11 | $139K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 985 | $850K |
| Vision(2 contracts, 2 carriers) | UNIVERSITY HEALTH ALLIANCE | 1,729 | $252K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,389 | $629K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 9 | $2K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 545 | $222K |
| Prescription drug | UNIVERSITY HEALTH ALLIANCE | 11 | $139K |
| Other(3 contracts, 3 carriers) | SYMETRA LIFE INSURANCE COMPANY | 1,383 | $562K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,729 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.