| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRANK CRYSTAL & CO INC3 Filed as: FRANK CRYSTAL & CO, INC. | 32 OLD SLIP 17TH FLOOR NEW YORK, NY 10005 | OXFORD HEALTH INSURANCE, INC | $91K | $4K | $96K | 2.10% |
| CRYSTAL IBC LLC3 | 32 OLD SLIP NEW YORK, NE 10005 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 5.50% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $460 | — | $460 | 0.19% |
| AXA ASSISTANCE, USA5 | 122 S MICHIGAN AVE, SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $101 | $101 | 0.04% |
| CRYSTAL IBC LLC3 | 32 OLD SLIP CHICAGO, IL 60674 | DELTA DENTAL OF NEW YORK, INC. | $11K | — | $11K | 5.00% |
| JACQUES P DAVID CORPORATION3 | 125 JERICHO PIKE STE 201 JERICHO, NV 11753 | AFLAC | $3K | $110 | $3K | 6.23% |
| ALBERT BRUCKNER3 | 30 18 BROADWAY APT 2E ASTORIA, NC 11106 | AFLAC | $2K | $155 | $2K | 3.30% |
| JEAN DAVID3 | 125 JERICHO TPKE SUITE 201 JERICHO, NY 11753 | AFLAC | $1K | $44 | $1K | 2.24% |
| KENNETH C MEIER CORP3 | 401 FRANKLIN AVE STE 312 GARDEN CITY, NY 11530 | AFLAC | $631 | $44 | $675 | 1.21% |
| MICHAEL S CHILLE3 | 22 CORPORATE WOODS BOULEVARD 4TH FLOOR ALBANY, NY 12211 | AFLAC | $257 | — | $257 | 0.46% |
| TIMOTHY L. PENNEY3 Filed as: TIMOTHY PENNY C/O ALEXIS CROUCHER | 204 HUDONS ST APT 5 HOBOKEN, NJ 07030 | AFLAC | $241 | — | $241 | 0.43% |
| DAVID M. HRKACH3 Filed as: DAVID HRKACH | PO BOX 10201 LAHAINA, HI 96761 | AFLAC | $42 | — | $42 | 0.08% |
| STEPHEN WHITE3 | 214 25 42ND AVE 4TH FLOOR BAYSIDE, NY 11361 | AFLAC | $14 | — | $14 | 0.03% |
| NIKOLA J. DJAKOV3 Filed as: NIKOLA DJAKOV | 88-50 AUBREY AVEENUE GLENDALE, NY 11385 | AFLAC | $14 | — | $14 | 0.03% |
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 | 307 | 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) | 307 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC | 348 | $4.6M |
| Dental | DELTA DENTAL OF NEW YORK, INC. | 574 | $225K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 307 | $245K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 307 | $245K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 307 | $245K |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 307 | $301K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 574 | — |
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.
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.