| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC | 159 WOLF RD SUITE 200 ALBANY, NY 12205 | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN | $55K | $0 | $55K | 4.00% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC | 159 WOLF RD SUITE 200 ALBANY, NY 12205 | DELTA DENTAL OF NEW YORK | $5K | $3K | $8K | 10.00% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC | 99 TROY ROAD EAST GREENBUSH, NY 12061 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $886 | $3K | 13.55% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $169 | $169 | 0.89% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC | 99 TROY ROAD EAST GREENBUSH, NY 12061 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPNAY | $3K | $859 | $3K | 19.07% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY BLDG II STE 600 AUSTIN, TX 78746 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPNAY | $0 | $168 | $168 | 0.95% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC | 159 WOLF RD SUITE 200 ALBANY, NY 12205 | AMERITAS LIFE INSURANCE CORP. OF NEW YORK | $1K | $0 | $1K | 8.60% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC. | 99 TROY ROAD EAST GREENBUSH, NY 12061 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $477 | $2K | 19.79% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HWY S BLDG II STE 600 AUSTIN, TX 78746 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $93 | $93 | 0.93% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC | 159 WOLF RD STE 200 ALBANY, NY 12205 | METROPOLITAN LIFE INSUREANCE COMPANY | $951 | $0 | $951 | 11.30% |
| ROSE & KIERNAN INC5 | PO BOX 640 PO BOX 640 EAST GREENBUSH, NY 12061 | METROPOLITAN LIFE INSUREANCE COMPANY | $0 | $308 | $308 | 3.66% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSUREANCE COMPANY | $61 | $0 | $61 | 0.73% |
| ROSE & KIERNAN INC3 | 159 WOLF RD STE 200 ALBANY, NY 12205 | METROPOLITAN LIFE INSURANCE COMPANY | $530 | $0 | $530 | 8.89% |
| ROSE & KIERNAN INC5 | 159 WOLF RD STE 200 ALBANY, NY 12205 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $177 | $177 | 2.97% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $46 | $0 | $46 | 0.77% |
| ROSE & KIERNAN INC3 | 159 WOLF RD SUITE 200 ALBANY, NY 12205 | METROPOLITAN LIFE INSURANCE COMPANY | $642 | $0 | $642 | 12.04% |
| ROSE & KIERNAN INC5 | 159 WOLF RD SUITE 200 ALBANY, NY 12205 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $160 | $160 | 3.00% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $44 | $0 | $44 | 0.83% |
| ROSE & KIERNAN INC3 | 159 WOLF RD STE 200 ALBANY, NY 12205 | METROPOLITAN LIFE INSURANCE COMPANY | $350 | $0 | $350 | 11.35% |
| ROSE & KIERNAN INC5 | 159 WOLF RD STE 200 ALBANY, NY 12205 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $88 | $88 | 2.85% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $21 | $0 | $21 | 0.68% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC. | 99 TROY ROAD EAST GREENBUSH, NY 12061 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $105 | $36 | $141 | 20.14% |
| 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 | 1.00% |
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 | 159 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN | 139 | $1.4M |
| Dental | DELTA DENTAL OF NEW YORK | 263 | $78K |
| Vision | AMERITAS LIFE INSURANCE CORP. OF NEW YORK | 158 | $12K |
| Life insurance | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 146 | $19K |
| Short-term disability | METROPOLITAN LIFE INSUREANCE COMPANY | 13 | $8K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPNAY | 162 | $18K |
| Other(3 contracts) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 146 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 263 | — |
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.