| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVE, 21ST FLOOR NEW YORK, NY 10173 | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC | $57K | $0 | $57K | 3.66% |
| ROSE & KIERNAN INC3 | PO BOX 786677 PHILADELPHIA, PA 191786677 | DELTA DENTAL OF NEW YORK | $7K | $0 | $7K | 9.21% |
| ROSE & KIERNAN INC3 | PO BOX 786677 PHILADELPHIA, PA 191786677 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $277 | $3K | 28.12% |
| ROSE & KIERNAN INC5 | PO BOX 786677 PHILADELPHIA, PA 191786677 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $760 | $760 | 6.44% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP PROPERTY & CASUALTY SERVICE | 99 TROY ROAD EAST GREENBUSH, NY 12061 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $171 | $1K | 11.52% |
| ROSE & KIERNAN INC3 | PO BOX 786677 PHILADELPHIA, PA 191786677 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $178 | $2K | 18.49% |
| ROSE & KIERNAN INC3 | PO BOX 786677 PHILADELPHIA, PA 191786677 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $561 | $561 | 5.58% |
| ROSE & KIERNAN INC3 | PO BOX 786677 PHILADELPHIA, PA 191786677 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $193 | $2K | 26.30% |
| ROSE & KIERNAN INC3 | PO BOX 786677 PHILADELPHIA, PA 191786677 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $506 | $506 | 6.01% |
| ROSE & KIERNAN INC3 | PO BOX 786677 PHILADELPHIA, PA 191786677 | METROPOLITAN LIFE INSURANCE COMPANY | $975 | $91 | $1K | 22.02% |
| ROSE & KIERNAN INC3 | PO BOX 786677 PHILADELPHIA, PA 191786677 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $244 | $244 | 5.04% |
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 | 136 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC | 140 | $1.6M |
| Dental | DELTA DENTAL OF NEW YORK | 186 | $76K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 107 | $11K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 24 | $12K |
| Prescription drug | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC | 140 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 186 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.