| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN | P.O. BOX 640 EAST GREENBUSH, NY 12061 | HEALTHNOW NEW YORK, INC. DBA BLUECROSS BLUESHIELD OF WESTERN NEW YORK | $188K | — | $188K | 2.70% |
| ROSE & KIERNAN INC3 Filed as: ROSE AND KIERNAN INC | 99 TROY ROAD EAST GREENBUSH, NY 12061 | DELTA DENTAL OF NEW YORK | $45K | — | $45K | 10.00% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 | 1120 SANCTUARY PARKWAY, SUITE 375 ALPHARETTA, GA 30009 | DELTA DENTAL OF NEW YORK | $9K | — | $9K | 2.00% |
| EMPLOYEE FAMILY PROTECTION INC3 Filed as: EMPLOYEE FAMILY PROTECTION, INC. | P.O. BOX 1237 GLASTONBURY, CT 06033 | TRANSAMERICA | $53K | — | $53K | 23.24% |
| ROSE & KIERNAN INC3 | 99 TROY ROAD EAST GREENBUSH, NY 12061 | TRANSAMERICA | $32K | — | $32K | 14.09% |
| ANDREW MARTIN3 Filed as: ANDREW D. MARTIN | 1154 AZALEA BEND SUGARLAND, TX 77479 | TRANSAMERICA | $16 | — | $16 | 0.01% |
| ENTRUST AGENCIES INC3 | 22322 GRAND CORNER DR., SUITE 200 KATY, TX 77494 | TRANSAMERICA | $11 | — | $11 | 0.00% |
| ROSE & KIERNAN INC3 | 99 TROY ROAD EAST GREENBUSH, NY 12061 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $16K | $2K | $18K | 16.71% |
| ROSE & KIERNAN INC3 | 99 TROY ROAD EAST GREENBUSH, NY 12061 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $12K | $4K | $15K | 19.87% |
| ROSE & KIERNAN INC3 | 99 TROY ROAD EAST GREENBUSH, NY 12061 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | $3K | $14K | 19.44% |
| ROSE & KIERNAN INC3 | 99 TROY ROAD EAST GREENBUSH, NY 12061 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | $2K | $11K | 19.29% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN INC. | 99 TROY ROAD EAST GREENBUSH, NY 12061 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $1K | — | $1K | 2.64% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 | 1120 SANCTUARY PARKWAY, SUITE 375 ALPHARETTA, GA 30009 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $730 | — | $730 | 1.32% |
| ROSE & KIERNAN INC3 | 99 TROY ROAD EAST GREENBUSH, NY 12061 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $678 | $3K | 11.35% |
| ROSE & KIERNAN INC3 | 99 TROY ROAD EAST GREENBUSH, NY 12061 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $449 | $2K | 18.80% |
| ROSE & KIERNAN INC3 | 99 TROY ROAD EAST GREENBUSH, NY 12061 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $394 | $2K | 19.24% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $871 | — | $871 | 20.00% |
| AON CONSULTING INC3 Filed as: AON HEWITT HEALTH BENEFITS | 8182 MARYLAND AVENUE, SUITE 1500 ST. LOUIS, MO 63105 | FEDERAL INSURANCE COMPANY | $653 | — | $653 | 14.99% |
| ROSE & KIERNAN INC3 | P.O. BOX 640 EAST GREENBUSH, NY 12061 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $248 | — | $248 | 9.67% |
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 | 948 | 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) | 948 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHNOW NEW YORK, INC. DBA BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 1,407 | $7.0M |
| Dental | DELTA DENTAL OF NEW YORK | 1,490 | $453K |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 1,160 | $55K |
| Life insurance(2 contracts, 2 carriers) | TRANSAMERICA | 2,990 | $284K |
| Short-term disability(2 contracts, 2 carriers) | TRANSAMERICA | 2,990 | $334K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 994 | $73K |
| Prescription drug | HEALTHNOW NEW YORK, INC. DBA BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 1,407 | $7.0M |
| Other(7 contracts, 4 carriers) | TRANSAMERICA | 2,990 | $363K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,990 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.