| 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 | DELTA DENTAL OF NEW YORK | $53K | $36K | $89K | 10.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | PO BOX 786677 PHILADELPHIA, PA 19178 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $5K | $12K | 4.46% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPTIAL OF TX HWY BLDG II STE 600 AUSTIN, TX 78746 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.01% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | P.O. BOX 786677 PHILADELPHIA, PA 19178 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $27K | $4K | $31K | 17.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.96% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | PO BOX 786677 PHILADELPHIA, PA 19178 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $25K | $3K | $28K | 17.00% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY BLDG II STE 600 AUSTIN, TX 78746 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.99% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP PROPERTY & CASUALTY SERVICE | 99 TROY RD EAST GREENBUSH, NY 12061 | GUARDIAN LIFE INSURANCE | $13K | $0 | $13K | 10.47% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | — | GUARDIAN LIFE INSURANCE | $0 | $2K | $2K | 1.49% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | PO BOX 786677 PHILADELPHIA, PA 19178 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $2K | $6K | 5.44% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPTIAL OF TX HWY BLDG II STE 600 AUSTIN, TX 78746 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.02% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC. | 159 WOLF RD SUITE 200 ALBANY, NY 12205 | ANTHEM BLUE CROSS | $2K | $0 | $2K | 3.04% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | PO BOX 9101 PLAINVIEW, NY 11803 | ANTHEM BLUE CROSS | $1K | $834 | $2K | 2.33% |
| UNKNOWN3 | — | LEGAL CLUB | $7K | $0 | $7K | 30.79% |
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 | 1,196 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 20 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,222 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK NORTHEASTERN NEW YORK | 1,514 | $22.9M |
| Dental | DELTA DENTAL OF NEW YORK | 1,701 | $888K |
| Vision | ANTHEM BLUE CROSS | 1,528 | $82K |
| Life insurance(2 contracts) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,152 | $286K |
| Short-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 271 | $166K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,174 | $274K |
| Prescription drug | HIGHMARK NORTHEASTERN NEW YORK | 1,514 | $22.9M |
| Other(4 contracts, 4 carriers) | GUARDIAN LIFE INSURANCE | 1,232 | $276K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,701 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.