| 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 | $42K | $0 | $42K | 3.12% |
| ROSE & KIERNAN INC3 | 99 TROY RD, PO BOX 640 EAST GREENBUSH, NY 12061 | DELTA DENTAL OF NEW YORK | $6K | $0 | $6K | 8.00% |
| EMPLOYEE FAMILY PROTECTION INC3 Filed as: EMPLOYEE FAMILY PROTECTION, INC | PO BOX 1237 GLASTONBURY, CT 06033 | TRANSAMERICA | $8K | $0 | $8K | 17.66% |
| ROSE & KIERNAN INC3 | 99 TROY RD, PO BOX 640 EAST GREENBUSH, NY 12061 | TRANSAMERICA | $5K | $0 | $5K | 11.09% |
| ROSE & KIERNAN INC3 | 99 TROY RD, PO BOX 640 EAST GREENBUSH, NY 12061 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $4K | $5K | 36.33% |
| ROSE & KIERNAN INC3 | 99 TROY RD, PO BOX 640 EAST GREENBUSH, NY 12061 | UNITED CONCIERGE MEDICINE | $333 | $0 | $333 | 8.54% |
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 | 201 | 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. |
| Total participants (= "Plan participants" tile) | 201 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC | 260 | $1.3M |
| Dental | DELTA DENTAL OF NEW YORK | 253 | $70K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 212 | $15K |
| Life insurance | TRANSAMERICA | 105 | $48K |
| Short-term disability | TRANSAMERICA | 105 | $48K |
| Other(2 contracts, 2 carriers) | TRANSAMERICA | 105 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 260 | — |
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.
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.