| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 159 WOLF RD SUITE 200 ALBANY, NY 12205 | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN | $61K | $0 | $61K | 4.00% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC | 159 WOLF RD SUITE 200 ALBANY, NY 12205 | DELTA DENTAL OF NEW YORK | $7K | $0 | $7K | 9.49% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | P.O. BOX 786677 PHILADELPHIA, PA 19178 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $845 | $3K | 12.57% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 600 AUSTIN, TX 78746 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $186 | $186 | 0.88% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | P.O. BOX 786677 PHILADELPHIA, PA 19178 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPNAY | $3K | $776 | $3K | 17.97% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY BLDG II STE 600 AUSTIN, TX 78746 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPNAY | $0 | $174 | $174 | 0.91% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | PO BOX 9101 PLAINVIEW, NY 11803 | AMERITAS LIFE INSURANCE CORP. OF NEW YORK | $863 | $0 | $863 | 6.86% |
| ROSE & KIERNAN INC3 | 159 WOLF RD STE 200 ALBANY, NY 12205 | AMERITAS LIFE INSURANCE CORP. OF NEW YORK | $212 | $0 | $212 | 1.68% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | P.O. BOX 786677 PHILADELPHIA, PA 19178 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $420 | $2K | 19.20% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HWY S BLDG II STE 600 AUSTIN, TX 78746 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $98 | $98 | 0.98% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC | PO BOX 786677 PHILADELPHIA, PA 19178 | METROPOLITAN LIFE INSUREANCE COMPANY | $2K | $86 | $3K | 38.01% |
| ROSE & KIERNAN INC5 | PO BOX 640 EAST GREENBUSH, NY 12061 | METROPOLITAN LIFE INSUREANCE COMPANY | $0 | $539 | $539 | 8.11% |
| ROSE & KIERNAN INC3 | PO BOX 786677 PHILADELPHIA, PA 19178 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $73 | $2K | 26.52% |
| ROSE & KIERNAN INC5 | PO BOX 786677 PHILADELPHIA, PA 19178 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $548 | $548 | 8.46% |
| ROSE & KIERNAN INC3 | PO BOX 786677 PHILADELPHIA, PA 19178 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $41 | $1K | 46.10% |
| ROSE & KIERNAN INC5 | PO BOX 786677 PHILADELPHIA, PA 19178 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $359 | $359 | 11.21% |
| ROSE & KIERNAN INC3 | PO BOX 786677 PHILADELPHIA, PA 19178 | METROPOLITAN LIFE INSURANCE COMPANY | $857 | $22 | $879 | 32.74% |
| ROSE & KIERNAN INC5 | PO BOX 786677 PHILADELPHIA, PA 19178 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $214 | $214 | 7.97% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | P.O. BOX 786677 EAST GREENBUSH, PA 12061 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $110 | $32 | $142 | 19.32% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HWY S BLDG II STE 600 AUSTIN, TX 78746 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $8 | $8 | 1.09% |
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 | 187 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 188 | 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 | 149 | $1.5M |
| Dental | DELTA DENTAL OF NEW YORK | 173 | $79K |
| Vision | AMERITAS LIFE INSURANCE CORP. OF NEW YORK | 169 | $13K |
| Life insurance | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 159 | $21K |
| Short-term disability | METROPOLITAN LIFE INSUREANCE COMPANY | 14 | $7K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPNAY | 175 | $19K |
| Other(6 contracts, 2 carriers) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 159 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 175 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.