| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSE & KIERNAN INC3 | 99 TROY RD, PO BOX 640 EAST GREENBUSH, NY 12061 | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC | $28K | $0 | $28K | 4.04% |
| ROSE & KIERNAN INC3 | PO BOX 640, 99 TROY RD EAST GREENBUSH, NY 12061 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $6K | $10K | 8.88% |
| PAIGE HAMMOND3 | 5 BERKSHIRE DR EAST GREENBUSH, NY 12061 | AFLAC | $2K | $193 | $2K | 5.85% |
| ROSE & KIERNAN INC3 | 99 TROY ROAD SUITE 3 EAST GREENBUSH, NY 12061 | AFLAC | $2K | $0 | $2K | 5.21% |
| JACQUELYN WILLIAMS3 | 136 SOUTH RD WHITEHALL, NY 12887 | AFLAC | $842 | $52 | $894 | 2.33% |
| ROSE & KIERNAN INC3 | 99 TROY ROAD PO BOX 640 EAST GREENBUSH, NY 12061 | AFLAC | $770 | $0 | $770 | 2.01% |
| JESSICA E WAGNER3 | 1107 MT HOPE AVE ONEIDA, NY 13421 | AFLAC | $743 | $0 | $743 | 1.94% |
| SEAN W SPERO3 | 972 RIDGE RD QUEENSBURY, NY 12804 | AFLAC | $635 | $18 | $653 | 1.70% |
| MELISSA ANN MURPHY3 | 36 WINCOMA LN QUEENSBURY, NY 12804 | AFLAC | $451 | $52 | $503 | 1.31% |
| DARBY SMITH3 Filed as: DARBY L SMITH | 3420 FALIN ROAD BOUCKVILLE, NY 13310 | AFLAC | $334 | $134 | $468 | 1.22% |
| MICHAEL LEFFLER3 | PO BOX 27 SAUGERTIES, NY 12477 | AFLAC | $285 | $21 | $306 | 0.80% |
| MARYKAYE HOLDEN3 | 25 HIGH POINT TRL FAIRPORT, NY 14450 | AFLAC | $302 | $0 | $302 | 0.79% |
| BETH SERFILIPPI3 | 8 HILLSTONE CT BALLSTON LAKE, NY 12019 | AFLAC | $271 | $0 | $271 | 0.71% |
| MELISSA ANN STEWART3 | 36 WINCOMA LN QUEENSBURY, NY 12804 | AFLAC | $263 | $0 | $263 | 0.69% |
| LAURA B NICOLELLA3 | 52 MICHAEL DR SARATOGA SPRINGS, NY 12866 | AFLAC | $221 | $0 | $221 | 0.58% |
| JESSICA E WAGNER3 | 6415 SULLIVAN RD MUNNSVILLE, NY 13409 | AFLAC | $216 | $0 | $216 | 0.56% |
| JOSEPH P CALARCO3 | 13 ARTERIAL EAST PO BOX 130 AUBURN, NY 13021 | AFLAC | $167 | $27 | $194 | 0.51% |
| EDWARD D YATES JR3 | 2063 COUNTY ROUTE 8 OSWEGO, NY 13126 | AFLAC | $154 | $0 | $154 | 0.40% |
| DARRYL J YOUNG3 | 3820 GOLD CITY RD FRANKLIN, KY 42134 | AFLAC | $112 | $0 | $112 | 0.29% |
| JANINE FOX3 Filed as: JANINE M FOX | 5303 HARMONY MILLS WEST COHOES, NY 12047 | AFLAC | $89 | $21 | $110 | 0.29% |
| DAWN PELLERIN3 Filed as: DAWN M PELLERIN | 34 TAMARACK DRIVE NEW HARTFORD, NY 13413 | AFLAC | $79 | $27 | $106 | 0.28% |
| MARY R COLEMAN3 | 44 RIDGE ROAD RENSSELAER, NY 12144 | AFLAC | $93 | $0 | $93 | 0.24% |
| KRISTA ANNE ROTONDI3 Filed as: KRISTA GRASSIA | 5 PINE WEST PLZ STE 503 ALBANY, NY 12205 | AFLAC | $91 | $0 | $91 | 0.24% |
| AMY PETERS3 | 20 WILLOW LANE WYNANTSKILL, NY 12198 | AFLAC | $90 | $0 | $90 | 0.23% |
| CHARLES P GAMELLO3 | 5 BERKSHIRE DRIVE EAST GREENBUSH, NY 12061 | AFLAC | $45 | $35 | $80 | 0.21% |
| DEANNA JOANNE DAUS3 | 130A BAY ST GLENS FALLS, NY 12801 | AFLAC | $21 | $23 | $44 | 0.11% |
| BRAD JONES AND ASSOCIATES INC3 | 19 BRITISH AMERICAN BLVD LATHAM, NY 12110 | AFLAC | $40 | $0 | $40 | 0.10% |
| ROSANN M CURRAN3 | 241 RIDGE ST GLENS FALLS, NY 12801 | AFLAC | $17 | $0 | $17 | 0.04% |
| KELLY A IRVINE3 | 333 GLEN STREET SUITE 201 GLENS FALLS, NY 12801 | AFLAC | $12 | $0 | $12 | 0.03% |
| GREGORY D GEMEREK3 | 25 CARRIAGE WAY BALLSTON SPA, NY 12020 | AFLAC | $10 | $0 | $10 | 0.03% |
| BENEFIT PLANNING SERVICES INC3 Filed as: BENEFIT PLANNING SERVICES, INC | 18 CORPORATE WOODS BLVD LOUDONVILLE, NY 12211 | AFLAC | $9 | $0 | $9 | 0.02% |
| SUSAN C BRIMHALL3 | 3921 CAPE SAN BLAS RD PORT SAINT JOE, FL 32456 | AFLAC | $8 | $0 | $8 | 0.02% |
| WILLIAM S MATHIAS3 | PO BOX 83 NEW HARTFORD, NY 13413 | AFLAC | $4 | $0 | $4 | 0.01% |
| SUSAN C BRIMHALL3 | 155 CYPRESS LN OLDSMAR, FL 34677 | AFLAC | $2 | $0 | $2 | 0.01% |
| KEVIN MCCARTHY3 | 197 LANG DR NORTH KINGSTOWN, RI 02852 | AFLAC | $2 | $0 | $2 | 0.01% |
| TOMAS E FLORES3 | 1265 15TH ST APT 16G FORT LEE, NJ 07024 | AFLAC | $2 | $0 | $2 | 0.01% |
| KEVIN MURPHY3 | 11 WILLOWBROOK TERRACE CLIFTON PARK, NY 12065 | AFLAC | $1 | $0 | $1 | 0.00% |
| LAURA BOHANNON3 | 23 S MARVINE AVE AUBURN, NY 13021 | AFLAC | $1 | $0 | $1 | 0.00% |
| RUSSELL T BARRETT3 | 10 AZALEA DR SARATOGA SPRINGS, NY 12866 | AFLAC | $1 | $0 | $1 | 0.00% |
| KENNETH J HANNAN3 | 5 FRIAR TUCK COURT CLIFTON PARK, NY 12065 | AFLAC | $1 | $0 | $1 | 0.00% |
| JOHN B INFERRERA3 | 174 GARNSEY ROAD PITTSFORD, NY 14534 | AFLAC | $1 | $0 | $1 | 0.00% |
| MICHAEL S ANDERSON3 | 74 DAWSON AVE FL 2 BOONTON, NJ 07005 | AFLAC | $672 | $57 | $729 | 8.52% |
| CHRISTANIA M SELPH3 | 8006 SAN CARLOS DR FORT PIERCE, FL 34951 | AFLAC | $706 | $0 | $706 | 8.25% |
| JACQUELYN WILLIAMS3 | 136 SOUTH RD WHITEHALL, NY 12887 | AFLAC | $446 | $45 | $491 | 5.74% |
| CHRISTOPHER SAULLE3 | 4216 HERMITAGE ROAD VIRGINIA BEACH, VA 23455 | AFLAC | $111 | $24 | $135 | 1.58% |
| CHRISTOPHER BLOVITS3 | 3213 THOMAS ST NORFOLK, VA 23513 | AFLAC | $108 | $13 | $121 | 1.41% |
| DYLAN FRANCIS MONTEFORTE3 | 10 AMANDA LN HOWELL, NJ 07731 | AFLAC | $98 | $11 | $109 | 1.27% |
| RICHARD R KIMBROUGH3 | 1972 MUIRFIELD WAY SE PALM BAY, FL 32909 | AFLAC | $76 | $0 | $76 | 0.89% |
| MELISSA ANN STEWART3 Filed as: MELISSA MURPHY | 36 WINCOMA LN QUEENSBURY, NM 12804 | AFLAC | $42 | $8 | $50 | 0.58% |
| RICHARD WHELAN3 | 3507 NW CLUBSIDE CIR BOCA RATON, FL 33496 | AFLAC | $28 | $11 | $39 | 0.46% |
| SHAWN K STEPHENS3 | 1323 GRAHAM TRACE LN LEAGUE CITY, TX 77573 | AFLAC | $32 | $0 | $32 | 0.37% |
| CHRISTOPHER SAULLE3 | 4216 HERMITAGE RD VIRGINA BEACH, VA 23455 | AFLAC | $26 | $0 | $26 | 0.30% |
| DANIELLE ELLIS3 Filed as: DANIELLE M ELLIS | 5949 SISSONVILLE DR CHARLESTON, WV 25312 | AFLAC | $26 | $0 | $26 | 0.30% |
| MELISSA ANN STEWART3 | 36 WINCOMA LN QUEENSBURY, NY 12804 | AFLAC | $24 | $0 | $24 | 0.28% |
| MICHAEL LEFFLER3 Filed as: MICHAEL G LEFFLER | PO BOX 27 SAUGERTIES, NY 12477 | AFLAC | $10 | $0 | $10 | 0.12% |
| BRANDON L MILLER3 | 320 9TH ST STE 200 HUNTINGTON, WV 25701 | AFLAC | $9 | $0 | $9 | 0.11% |
| SHAWN K STEPHENS3 | 515 S FRY RD STE A KATY, TX 77450 | AFLAC | $1 | $8 | $9 | 0.11% |
| BRIAN CUMPTAN3 | 320 9TH STREET SUITE 200 HUNTINGTON, WV 25701 | AFLAC | $8 | $0 | $8 | 0.09% |
| WALTER J CARTER3 | 5587 KANAWHA TPKE SAINT ALBANS, WV 25177 | AFLAC | $4 | $0 | $4 | 0.05% |
| DEBORAH WELLS3 Filed as: DEBORAH R WELLS | 2917 KECOUGHTAN RD HAMPTON, VA 23661 | AFLAC | $4 | $0 | $4 | 0.05% |
| NICHOLAS WAGNER3 | 4665 HAYGOOD ROAD SUITE 402 VIRGINIA BEACH, VA 23455 | AFLAC | $1 | $0 | $1 | 0.01% |
| DARRYL J YOUNG3 | 3820 GOLD CITY RD FRANKLIN, KY 42134 | AFLAC | $1 | $0 | $1 | 0.01% |
| DAVID N MORGAN3 | 906 MERCHANT LEE PL MANAKIN SABOT, VA 23103 | AFLAC | $1 | $0 | $1 | 0.01% |
| REY ROSTAMI3 | PO BOX 625 STOCKHOLM, NJ 07460 | AFLAC | $1 | $0 | $1 | 0.01% |
| TARA MICHELLE D AGOSTINO3 Filed as: TARA MICHELLE D'AGOSTINO | 271 US HIGHWAY 46 STE D207 FAIRFIELD, NJ 07004 | AFLAC | $1 | $0 | $1 | 0.01% |
| KEVIN MCCARTHY3 | 197 LANG DR NORTH KINGSTOWN, RI 02852 | AFLAC | $1 | $0 | $1 | 0.01% |
| TOMAS FLORES3 | 4201 N OCEAN BLVD BLDG C APT 1403 BOCA RATON, FL 33431 | AFLAC | $1 | $0 | $1 | 0.01% |
| DUANE A ADAMS3 | 11520 NUCKOLS RD STE 103 GLEN ALLEN, VA 23059 | AFLAC | $1 | $0 | $1 | 0.01% |
| BRADLEY S JONES3 | 19 BRITISH AMERICAN BLVD WEST LATHAM, NY 12110 | AFLAC | $1 | $0 | $1 | 0.01% |
| JUSTIN W DAVIS3 | 300 LIVE OAK CT SALEM, VA 24153 | AFLAC | $1 | $0 | $1 | 0.01% |
| THOMAS J STEPHENSON3 | 320 9TH STREET HUNTINGTON, WV 25701 | AFLAC | $1 | $0 | $1 | 0.01% |
| AMELIA MORGAN3 Filed as: AMELIA KAY MORGAN | 1904 ELLIS DR MAIDENS, VA 23102 | AFLAC | $1 | $0 | $1 | 0.01% |
| RUSSELL TINNEY3 | 11520 NUCKOLS RD STE 103 GLEN ALLEN, VA 23059 | AFLAC | $1 | $0 | $1 | 0.01% |
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 | 186 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC | 235 | $700K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 162 | $112K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 162 | $112K |
| Life insurance(2 contracts) | AFLAC | 54 | $47K |
| Short-term disability(2 contracts) | AFLAC | 54 | $47K |
| Other(2 contracts) | AFLAC | 54 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 235 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.