| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP COORPORATE SERVICES NY LLC | 159 WOLF RD SUITE 200 ALBANY, NY 12205 | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | $90K | $0 | $90K | 1.69% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC. | 99 TROY ROAD EAST GREENBUSH, NY 12061 | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | $3K | $0 | $3K | 0.06% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC. | 159 WOLF RD SUITE 200 ALBANY, NY 12205 | ANTHEM BLUE CROSS AND BLUE SHIELD | $16K | $0 | $16K | 4.43% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP PROPERTY & CASUALTY SVCS INC | 159 WOLF RD SUITE 200 ALBANY, NY 12205 | FIRST UNUM LIFE INSURANCE COMPANY | $8K | $881 | $9K | 4.46% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP PROPERTY & CASUALTY SVCS INC | 159 WOLF RD SUITE 200 ALBANY, NY 12205 | FIRST UNUM LIFE INSURANCE COMPANY | $11K | $329 | $11K | 15.45% |
| ROSE & KIERNAN INC3 | PO BOX 786677 PHILADELPHIA, PA 19178 | METORPOLITAN LIFE INSURANCE COMPANY | $29K | $0 | $29K | 45.55% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | METORPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.63% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP PROPERTY & CASUALTY SVCS INC | 159 WOLF RD STE 200 ALBANY, NY 12205 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | $0 | $3K | 16.02% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP PROPERTY & CASUALTY SVCS INC | 159 WOLF RD SUITE 200 ALBANY, NY 12205 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $316 | $3K | 16.99% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP PROPERTY & CASUALTY SVCS INC | 159 WOLF RD SUITE 200 ALBANY, NY 12205 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 15.01% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP PROPERTY & CASUALTY SVCS INC | 159 WOLF RD SUITE 200 ALBANY, NY 12205 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $183 | $2K | 17.01% |
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 | 1,018 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,022 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | 723 | $5.3M |
| Dental | ANTHEM BLUE CROSS AND BLUE SHIELD | 884 | $353K |
| Vision | ANTHEM BLUE CROSS AND BLUE SHIELD | 884 | $353K |
| Life insurance(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 964 | $277K |
| Short-term disability(2 contracts, 2 carriers) | METORPOLITAN LIFE INSURANCE COMPANY | 393 | $83K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 964 | $204K |
| Other(7 contracts, 4 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 1,590 | $454K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,590 | — |
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.