| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRANK CRYSTAL & CO INC3 Filed as: FRANK CRYSTAL & CO., INC. | FINANCIAL SQUARE 32 OLD SLIP 17TH FLOOR NEW YORK, NY 10005 | OXFORD HEALTH INSURANCE, INC | $97K | — | $97K | 1.99% |
| CRYSTAL IBC LLC3 | 32 OLD SLIP 17TH FL NEW YORK, NY 10005 | DELTA DENTAL OF NEW YORK, INC. | $12K | — | $12K | 5.00% |
| CRYSTAL IBC LLC3 | 32 OLD SLIP NEW YORK, NE 10005 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $21K | — | $21K | 14.50% |
| AXA ASSISTANCE, USA5 | 122 S MICHIGAN AVE, SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $122 | $122 | 0.08% |
| JACQUES P DAVID CORPORATION3 | 125 JERICHO PIKE STE 201 JERICHO, NV 11753 | AFLAC | $2K | $8 | $2K | 4.90% |
| J DAVID AND ASSOCIATES INC3 | 125 JERICHO TPKE SUITE 201 JERICHO, NY 11753 | AFLAC | $905 | $8 | $913 | 1.85% |
| ALBERT BRUCKNER3 | 30 18 BROADWAY APT 2E ASTORIA, NC 11106 | AFLAC | $629 | $29 | $658 | 1.34% |
| KENNETH C MEIER CORP3 | 401 FRANKLIN AVE STE 312 GARDEN CITY, NY 11530 | AFLAC | $516 | — | $516 | 1.05% |
| MICHAEL S CHILLE3 | 12 ST THOMAS MORE DR WINCHESTER, MA 01890 | AFLAC | $214 | — | $214 | 0.43% |
| TIMOTHY L. PENNEY3 Filed as: TIMOTHY PENNY | 273 BUFFALO AVE 2E BROOKLYN, NY 11213 | AFLAC | $202 | — | $202 | 0.41% |
| FRANK CRYSTAL & CO INC3 | 1 FINANCIAL SQ FL 32 FINANCIAL SQUARE NEW YORK, NY 10005 | AFLAC | $70 | — | $70 | 0.14% |
| MCINERNEY GROUP LLC3 | 580 WHITE PLAINS RD STE 115 TARRYTOWN, NY 10591 | AFLAC | $34 | — | $34 | 0.07% |
| DAVID M. HRKACH3 Filed as: DAVID HRKACH | PO BOX 10202 LAHAINA, HI 96761 | AFLAC | $33 | — | $33 | 0.07% |
| BRIAN WHITE3 | 6 COWDIN LN CHAPPAQUA, NY 10514 | AFLAC | $32 | — | $32 | 0.06% |
| DANIEL BARBIERO3 Filed as: DANIEL DJAKOV | 48 S SERVICE RD STE 400 MELVILLE, NY 11747 | AFLAC | $17 | $13 | $30 | 0.06% |
| STEPHEN WHITE3 | 5 EMERALD LN MONTEBELLO, NY 10901 | AFLAC | $25 | — | $25 | 0.05% |
| BENITO A ROTONDI II INC3 | 23 PINE RIDGE RD SARATOGA SPRINGS, NY 12866 | AFLAC | $22 | — | $22 | 0.04% |
| NIKOLA J. DJAKOV3 Filed as: NIKOLA DJAKOV | 8850 AUBREY AVE GLENDALE, NY 11385 | AFLAC | $13 | — | $13 | 0.03% |
| TODD J BURKE CORP3 | 2 IRIS LN GARDEN CITY, NY 11530 | AFLAC | $9 | — | $9 | 0.02% |
| THE MEYER AGENCY LTD3 | PO BOX 112829 NAPLES, FL 34108 | AFLAC | $1 | — | $1 | 0.00% |
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 | 314 | 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) | 314 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC | 388 | $4.9M |
| Dental | DELTA DENTAL OF NEW YORK, INC. | 403 | $236K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 314 | $146K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 314 | $146K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 314 | $146K |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 314 | $196K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 403 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.