| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSE & KIERNAN INC3 | 99 TROY ROAD EAST GREENBUSH, NY 12061 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $43K | — | $43K | 10.60% |
| EMPLOYEE FAMILY PROTECTION INC3 Filed as: EMPLOYEE FAMILY PROTECTION INC. | PO BOX 1237 GLASTONBURY, CT 06033 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $17K | — | $17K | 4.23% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC. | 99 TROY ROAD EAST GREENBUSH, NY 12069 | SUN LIFE AND HEALTH INSURANCE COMPANY | $24K | — | $24K | 6.69% |
| ROSE & KIERNAN INC3 | 99 TROY ROAD EAST GREENBUSH, NY 12061 | AMERITAS LIFE INSURANCE CORP OF NEW YORK | $3K | — | $3K | 2.53% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN | 99 TROY ROAD EAST GREENBUSH, NY 12061 | MVP HEALTH CARE | $2K | — | $2K | 3.67% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN | 99 TROY ROAD EAST GREENBUSH, NY 12061 | MVP HEALTH CARE | $2K | — | $2K | 3.63% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC | 99 TROY ROAD EAST GREENBUSH, NY 12061 | DELTA DENTAL OF NEW YORK | $8K | — | $8K | — |
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 | 912 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 48 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 976 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC | 1,823 | $520K |
| Dental | DELTA DENTAL OF NEW YORK | 2,129 | $0 |
| Vision | AMERITAS LIFE INSURANCE CORP OF NEW YORK | 1,821 | $134K |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY | 896 | $357K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY | 896 | $357K |
| Prescription drug(2 contracts) | MVP HEALTH CARE | 14 | $109K |
| Other(2 contracts, 2 carriers) | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | 1,252 | $767K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,129 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.