| 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. | $40K | $0 | $40K | 3.24% |
| ROSE & KIERNAN INC3 | 99 TROY RD, PO BOX 640 EAST GREENBUSH, NY 12061 | DELTA DENTAL OF NEW YORK | $6K | $0 | $6K | 8.00% |
| ROSE & KIERNAN INC3 | 99 TROY RD, PO BOX 640 EAST GREENBUSH, NY 12061 | TRANSAMERICA | $9K | $0 | $9K | 26.26% |
| EMPLOYEE FAMILY PROTECTION INC3 Filed as: EMPLOYEE FAMILY PROTECTION, INC | PO BOX 1237 GLASTONBURY, CT 06033 | TRANSAMERICA | $785 | $0 | $785 | 2.28% |
| ROSE & KIERNAN INC3 | 99 TROY RD, PO BOX 640 EAST GREENBUSH, NY 12061 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $856 | $2K | 16.66% |
| HEALTHJOY, LLC3 Filed as: HEALTHJOY | 215 WEST SUPERIOR STREET 5TH FL CHICAGO, IL 60654 | UCM DIGITAL HEALTH | $5K | — | $5K | 50.00% |
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 | 122 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | 160 | $1.2M |
| Dental | DELTA DENTAL OF NEW YORK | 178 | $70K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 141 | $13K |
| Life insurance | TRANSAMERICA | 176 | $34K |
| Short-term disability | TRANSAMERICA | 176 | $34K |
| Other(2 contracts, 2 carriers) | TRANSAMERICA | 176 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 178 | — |
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.