| 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 | $50K | $0 | $50K | 4.00% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC | 99 TROY ROAD EAST GREENBUSH, NY 12061 | DELTA DENTAL OF NEW YORK | $8K | $0 | $8K | 10.00% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC | 1250 S CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | METLIFE | $7K | $1K | $8K | 33.63% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | METLIFE | $211 | $0 | $211 | 0.85% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC | 99 TROY ROAD EAST GREENBUSH, NY 12061 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $397 | $2K | 10.79% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $162 | $162 | 0.82% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC | 99 TROY ROAD EAST GREENBUSH, NY 12061 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPNAY | $3K | $392 | $3K | 15.83% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY BLDG II STE 600 AUSTIN, TX 78746 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPNAY | $0 | $180 | $180 | 0.92% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC | 99 TROY ROAD EAST GREENBUSH, NY 12061 | AMERITAS LIFE INSURANCE CORP. OF NEW YORK | $1K | $0 | $1K | 8.67% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC. | 99 TROY ROAD EAST GREENBUSH, NY 12061 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $215 | $2K | 17.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HWY S BLDG II STE 600 AUSTIN, TX 78746 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $86 | $86 | 0.80% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC. | 99 TROY ROAD EAST GREENBUSH, NY 12061 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $138 | $18 | $156 | 16.99% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HWY S BLDG II STE 600 AUSTIN, TX 78746 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $7 | $7 | 0.76% |
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 | 146 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | 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) | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN | 148 | $1.3M |
| Dental | DELTA DENTAL OF NEW YORK | 172 | $77K |
| Vision | AMERITAS LIFE INSURANCE CORP. OF NEW YORK | 169 | $12K |
| Life insurance | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 157 | $20K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPNAY | 176 | $20K |
| Other(4 contracts, 2 carriers) | METLIFE | 157 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 176 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.