| 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. | $81K | — | $81K | 1.48% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | OXFORD HEALTH INSURANCE, INC. | $27K | — | $27K | 0.50% |
| CRYSTAL IBC LLC3 | 32 OLD SLIP 17TH FL NEW YORK, NY 10005 | DELTA DENTAL OF NEW YORK | $7K | — | $7K | 2.46% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DRIVE SUITE 200 CAMDEN, NJ 08103 | DELTA DENTAL OF NEW YORK | $3K | — | $3K | 1.27% |
| CRYSTAL IBC LLC3 | FINANCIAL SQUARE 32 OLD SLIP NEW YORK, NY 10005 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $19K | — | $19K | 13.77% |
| CORPORATE SYNERGIES GROUP LLC3 | THE FERRY TERMINAL BUILDING 2 AQUARIUM DR SUITE 200 CAMDEN, NJ 08103 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 2.85% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 606036115 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $114 | $114 | 0.08% |
| JACQUES P DAVID CORPORATION3 | 125 JERICHO TPKE STE 201 JERICHO, NY 11753 | AFLAC | $3K | $8 | $3K | 4.90% |
| MJ INSURANCE3 Filed as: TIMOTHY L PENNEY AND VARIOUS AGENTS | 273 BUFFALO AVE APT 2E BROOKLYN, NY 11213 | AFLAC | $688 | $13 | $701 | 1.31% |
| JEAN PAUL DAVID3 | 125 JERICHO TPKE STE 201 JERICHO, NY 11753 | AFLAC | $576 | $8 | $584 | 1.09% |
| KENNETH C MEIER CORP3 | 401 FRANKLIN AVE STE 312 GARDEN CITY, NY 11530 | AFLAC | $560 | — | $560 | 1.05% |
| ALBERT BRUCKNER3 | 30 18 BROADWAY APT 2E ASTORIA, NY 11106 | AFLAC | $455 | $29 | $484 | 0.91% |
| J DAVID AND ASSOCIATES INC3 | 125 JERICHO TPKE STE 201 JERICHO, NY 11753 | AFLAC | $400 | — | $400 | 0.75% |
| MICHAEL S CHILLE3 | 12 ST THOMAS MORE DR WINCHESTER, MA 01890 | AFLAC | $232 | — | $232 | 0.43% |
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 | 319 | 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) | 319 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC. | 399 | $5.5M |
| Dental | DELTA DENTAL OF NEW YORK | 393 | $267K |
| Life insurance | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 319 | $139K |
| Long-term disability | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 319 | $139K |
| Other(2 contracts, 2 carriers) | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 319 | $193K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 399 | — |
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.