| 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. | $46K | $0 | $46K | 3.36% |
| ROSE & KIERNAN INC3 | 99 TROY ROAD EAST GREENBUSH, NY 12061 | DELTA DENTAL OF NEW YORK | $4K | $3K | $7K | 10.00% |
| ROSE & KIERNAN INC3 | 159 WOLF RD STE 200 ALBANY, NY 122056007 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 13.85% |
| ROSE & KIERNAN INC5 | 159 WOLF RD STE 200 ALBANY, NY 122056007 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $539 | $539 | 3.46% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 787466446 | METROPOLITAN LIFE INSURANCE COMPANY | $76 | $0 | $76 | 0.49% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP PROPERTY & CASUALTY SERIVCE | 99 TROY ROAD EAST GREENBUSH, NY 12061 | GUARDIAN LIFE INSURANCE COMPANY OF NEW YORK | $1K | $482 | $2K | 14.05% |
| ROSE & KIERNAN INC3 | 159 WOLF RD STE 200 ALBANY, NY 122056007 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 14.62% |
| ROSE & KIERNAN INC3 | 159 WOLF RD STE 200 ALBANY, NY 122056007 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $336 | $336 | 3.66% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICESINC | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 787466446 | METROPOLITAN LIFE INSURANCE COMPANY | $63 | $0 | $63 | 0.69% |
| ROSE & KIERNAN INC3 | 159 WOLF RD STE 200 ALBANY, NY 122056007 | METROPOLITAN LIFE INSURANCE COMPANY | $621 | $0 | $621 | 10.56% |
| ROSE & KIERNAN INC3 | 159 WOLF RD STE 200 ALBANY, NY 122056007 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $207 | $207 | 3.52% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 787466446 | METROPOLITAN LIFE INSURANCE COMPANY | $30 | $0 | $30 | 0.51% |
| ROSE & KIERNAN INC3 | 159 WOLF RD STE 200 ALBANY, NY 122056007 | METROPOLITAN LIFE INSURANCE AGENCY | $722 | $0 | $722 | 14.43% |
| ROSE & KIERNAN INC3 | 159 WOLF RD STE 200 ALBANY, NY 122056007 | METROPOLITAN LIFE INSURANCE AGENCY | $0 | $180 | $180 | 3.60% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 787466446 | METROPOLITAN LIFE INSURANCE AGENCY | $33 | $0 | $33 | 0.66% |
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 | 150 | 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) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | 148 | $1.4M |
| Dental | DELTA DENTAL OF NEW YORK | 200 | $72K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF NEW YORK | 171 | $12K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 28 | $16K |
| Prescription drug | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | 148 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 200 | — |
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.
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.