| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC | 99 TROY ROAD EAST GREENBUSH, NY 12061 | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN | $43K | — | $43K | 4.00% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC | 99 TROY ROAD EAST GREENBUSH, NY 12061 | DELTA DENTAL OF NEW YORK | $6K | — | $6K | 8.00% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC | 99 TROY ROAD EAST GREENBUSH, NY 12061 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $4K | — | $4K | 17.34% |
| EMPLOYEE FAMILY PROTECTION INC3 | PO BOX 1237 GLASTONBURY, CT 06033 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $1K | — | $1K | 4.42% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC | 99 TROY ROAD EAST GREENBUSH, NY 12061 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPNAY | $2K | $474 | $3K | 18.31% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC | 99 TROY ROAD EAST GREENBUSH, NY 12061 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $403 | $2K | 13.93% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC | 99 TROY ROAD EAST GREENBUSH, NY 12061 | AMERITAS LIFE INSURANCE CORP. OF NEW YORK | $944 | — | $944 | 9.07% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC. | 99 TROY ROAD EAST GREENBUSH, NY 12061 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $885 | $175 | $1K | 17.97% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC. | 99 TROY ROAD EAST GREENBUSH, NY 12061 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $79 | $16 | $95 | 18.13% |
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 | 136 | 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) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN | 145 | $1.1M |
| Dental | DELTA DENTAL OF NEW YORK | 159 | $74K |
| Vision | AMERITAS LIFE INSURANCE CORP. OF NEW YORK | 151 | $10K |
| Life insurance | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 129 | $11K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPNAY | 160 | $14K |
| Other(3 contracts, 2 carriers) | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | 79 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 160 | — |
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.