| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSE & KIERNAN INC3 Filed as: ROSE AND KIERNAN | P.O. BOX 640 EAST GREENBUSH, NY 12061 | BLUESHIELD OF NORTHEASTERN NEW YORK | $85K | — | $85K | 2.26% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK, INC. | JPMORGAN CHASE LBX PRCSNG P.O. BOX 4557 NEW YORK, NY 10249 | BLUESHIELD OF NORTHEASTERN NEW YORK | $22K | — | $22K | 0.57% |
| ROSE & KIERNAN INC3 Filed as: ROSE AND KIERNAN INC. | 99 TROY RD EAST GREENBUSH, NY 12061 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $4K | — | $4K | 5.96% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES INC. | 1000 WOODBURY RD 4TH FL, STE 403 WOODBURY, NY 11797 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $423 | $423 | 0.67% |
| ROSE & KIERNAN INC3 Filed as: ROSE AND KIERNAN INC. | 99 TROY RD EAST GREENBUSH, NY 12061 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $4K | — | $4K | 8.33% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES INC. | 1000 WOODBURY RD 4TH FLOOR, STE 403 WOODBURY, NY 11797 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $423 | $423 | 0.81% |
| ROSE & KIERNAN INC3 Filed as: ROSE AND KIERNAN INC. | 99 TROY RD EAST GREENBUSH, NY 12061 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $15K | $781 | $15K | 48.16% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | ONE WORLD FINANCIAL CENTER 200 LIBERTY STREET NEW YORK, NY 10281 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $4K | — | $4K | 12.81% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL AND STERLING INC. | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | -$3K | — | -$3K | -8.23% |
| ROSE & KIERNAN INC3 Filed as: ROSE AND KIERNAN INC. | 99 TROY RD EAST GREENBUSH, NY 12061 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $2K | — | $2K | 7.92% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES INC. | 1000 WOODBURY RD 4TH FLOOR, STE 403 WOODBURY, NY 11797 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $209 | $209 | 0.68% |
| ROSE & KIERNAN INC3 Filed as: ROSE AND KIERNAN, INC. | 99 TROY RD EAST GREENBUSH, NY 12061 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $781 | — | $781 | 10.76% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES INC. | 1000 WOODBURY RD 4TH FLOOR, STE 403 WOODBURY, NY 11797 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $51 | $51 | 0.70% |
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 | 436 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 441 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUESHIELD OF NORTHEASTERN NEW YORK | 822 | $3.8M |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 679 | $32K |
| Life insurance | CIGNA LIFE INSURANCE CO. OF NEW YORK | 0 | $31K |
| Short-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 0 | $64K |
| Long-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 0 | $52K |
| Prescription drug | BLUESHIELD OF NORTHEASTERN NEW YORK | 822 | $3.8M |
| Other | CIGNA LIFE INSURANCE CO. OF NEW YORK | 0 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 822 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.