| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRADY CHRISTOPHER3 | UNKNOWN NEW YORK, NY 10010 | EMBLEMHEALTH | $27K | — | $27K | 2.14% |
| CRYSTAL IBC LLC3 Filed as: CRYSTAL AND COMPANY | 32 OLD SLIP NEW YORK, NY 10005 | EMBLEMHEALTH | $18K | — | $18K | 1.44% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 100 SUNNYSIDE BOULEVARD WOODBURY, NY 11797 | AETNA LIFE INSURANCE COMPANY | $10K | — | $10K | 2.36% |
| CRYSTAL IBC LLC3 Filed as: CRYSTAL AND COMPANY | 32 OLD SLIP NEW YORK, NY 10005 | AETNA LIFE INSURANCE COMPANY | $4K | — | $4K | 1.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 100 SUNNYSIDE BOULEVARD WOODBURY, NY 11797 | THE PAUL REVERE LIFE INSURANCE COMPANY | $27K | — | $27K | 16.83% |
| THE WORKSIGHT GROUP LLC3 Filed as: THE WORKSIGHT GROUP, LLC | 743 PASSIAC AVENUE CLIFTON, NJ 07012 | THE PAUL REVERE LIFE INSURANCE COMPANY | $6K | $9K | $15K | 9.37% |
| CDC CONSULTING SERVICES INC3 Filed as: CDC CONSULT SVCS AND OTHER AGENTS | 47 WESTERN AVENUE DEER PARK, NY 11729 | THE PAUL REVERE LIFE INSURANCE COMPANY | $7K | $577 | $7K | 4.47% |
| MICHAEL ANGELO ARROYO3 | 28 OXFORD PLACE STATEN ISLAND, NY 10301 | THE PAUL REVERE LIFE INSURANCE COMPANY | $5K | $447 | $5K | 3.23% |
| YOLANDA TRISTANCHO-HELWIG3 | 449 CENTRAL AVENUE SAINT PETERSBURG, FL 33701 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | $979 | $3K | 1.82% |
| BRAD BIEL3 | 1050 WALL STREET WEST LYNDHURST, NJ 07071 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | $148 | $2K | 1.26% |
| JAMEL WRIGHT3 | 1517 RIVERSIDE STATION BOULEVARD SECAUCUS, NJ 07094 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | $241 | $2K | 0.95% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES, INC. | 1000 WOODBURY ROAD, SUITE 403 WOODBURY, NY 11797 | HARTFORD LIFE AND ACCIDENT | $11K | $5K | $15K | 10.99% |
| CRYSTAL IBC LLC3 Filed as: CRYSTAL AND COMPANY | 32 OLD SLIP NEW YORK, NY 10005 | HARTFORD LIFE AND ACCIDENT | $15K | — | $15K | 10.48% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 1056 AVENUE OF THE AMERICAS NEW YORK, NY 10018 | HARTFORD LIFE AND ACCIDENT | $13K | — | $13K | 9.55% |
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 | 779 | 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) | 779 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMBLEMHEALTH | 183 | $1.3M |
| Dental | AETNA LIFE INSURANCE COMPANY | 1,113 | $407K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 612 | $139K |
| Short-term disability | THE PAUL REVERE LIFE INSURANCE COMPANY | 173 | $159K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 612 | $139K |
| Prescription drug | EMBLEMHEALTH | 183 | $1.3M |
| Other(2 contracts, 2 carriers) | THE PAUL REVERE LIFE INSURANCE COMPANY | 612 | $298K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,113 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.