| 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. | $85K | $0 | $85K | 1.79% |
| 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. | 99 TROY ROAD EAST GREENBUSH, NY 12061 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $17K | $0 | $17K | 2.41% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP PROPERTY & CASUALTY SVCS INC | 159 WOLF RD SUITE 200 ALBANY, NY 12205 | FIRST UNUM LIFE INSURANCE COMPANY | $10K | $0 | $10K | 4.90% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP PROPERTY & CASUALTY SVCS INC | 159 WOLF RD SUITE 200 ALBANY, NY 12205 | FIRST UNUM LIFE INSURANCE COMPANY | $12K | $0 | $12K | 15.00% |
| ROSE & KIERNAN INC3 | 159 WOLF RD SUITE 200 ALBANY, NY 12205 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $0 | $6K | 11.36% |
| ROSE & KIERNAN INC5 | 159 WOLF RD SUITE 200 ALBANY, NY 12205 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 2.84% |
| ROSE & KIERNAN INC3 | 159 WOLF RD SUITE 200 ALBANY, NY 12205 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.24% |
| ROSE & KIERNAN INC5 | 159 WOLF RD SUITE 200 ALBANY, NY 12205 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 3.41% |
| ROSE & KIERNAN INC3 | 159 WOLF RD SUITE 200 ALBANY, NY 12205 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 12.28% |
| ROSE & KIERNAN INC5 | 159 WOLF RD SUITE 200 ALBANY, NY 12205 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $747 | $747 | 3.07% |
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 | 932 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 932 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | 733 | $4.8M |
| Dental | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 887 | $694K |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 887 | $694K |
| Life insurance(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 932 | $276K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 138 | $52K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 932 | $200K |
| Other(3 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 1,561 | $350K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,561 | — |
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.