| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRANK CRYSTAL & CO INC3 Filed as: FRANK CRYSTAL | 32 OLD SLIP NEW YORK, NY 10005 | EMBLEMHEALTH | $57K | — | $57K | 3.85% |
| CRYSTAL IBC LLC3 | 32 OLD SLIP NEW YORK, NY 10005 | AETNA LIFE INSURANCE COMPANY | $10K | $5K | $15K | 4.14% |
| FRANK CRYSTAL & CO INC3 Filed as: FRANK CRYSTAL & CO INC. DBA CRYSTAL | 32 OLD SLIP NEW YORK, NY 10005 | AETNA LIFE INSURANCE COMPANY | $3K | — | $3K | 0.79% |
| CRYSTAL IBC LLC3 | 32 OLD SLIP NEW YORK, NY 10005 | HARTFORD LIFE AND ACCIDENT | $26K | $262 | $26K | 14.79% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES, INC | 1000 WOODBURY ROAD STE 403 WOODBURY, NY 11797 | HARTFORD LIFE AND ACCIDENT | -$51 | $567 | $516 | 0.30% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST | 1065 AVENUE OF THE AMERICAS NEW YORK, NY 10018 | HARTFORD LIFE AND ACCIDENT | -$127 | — | -$127 | -0.07% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 100 SUNNYSIDE BLVD WOODBURY, NY 11797 | THE PAUL REVERE LIFE INSURANCE COMPANY | $16K | — | $16K | 10.45% |
| THE WORKSIGHT GROUP LLC3 | 449 CENTRAL AVE SAINT PETERSBURG, FL 33701 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3K | $1K | $4K | 2.90% |
| MICHAEL ANGELO ARROYO3 | 28 OXFORD PLACE STATEN ISLAND, NY 10301 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | $94 | $2K | 1.14% |
| IRA EDENBAUM3 | 1 CARLETON DR FREEHOLD, NJ 07728 | THE PAUL REVERE LIFE INSURANCE COMPANY | $791 | $111 | $902 | 0.61% |
| BRAD BIEL3 | 1050 WALL STREET WEST LYNDHURST, NJ 07071 | THE PAUL REVERE LIFE INSURANCE COMPANY | $666 | $16 | $682 | 0.46% |
| YOLANDA TRISTANCHO-HELWIG3 | 449 CENTRAL AVE SAINT PETERSBURG, FL 33701 | THE PAUL REVERE LIFE INSURANCE COMPANY | $476 | $116 | $592 | 0.40% |
| C & L REED ASSOCIATES LLC3 | 2911 GLENARDEN DRIVE CHARLESTON, SC 29414 | THE PAUL REVERE LIFE INSURANCE COMPANY | $459 | — | $459 | 0.31% |
| JAMEL WRIGHT3 | 1517 RIVERSIDE STATION BLVD SECAUCUS, NJ 07094 | THE PAUL REVERE LIFE INSURANCE COMPANY | $408 | $1 | $409 | 0.27% |
| CDC CONSULTING SERVICES INC3 | 47 WESTERN AVE DEER PARK, NY 11729 | THE PAUL REVERE LIFE INSURANCE COMPANY | $276 | $60 | $336 | 0.23% |
| ELIZABETH HERNANDEZ3 | 245 W 72ND STREET NEW YORK, NY 10023 | THE PAUL REVERE LIFE INSURANCE COMPANY | $209 | $55 | $264 | 0.18% |
| CHRISTOPHER JOHNSON3 | 131 WEST 112 ST APT 4B NEW YORK, NY 10026 | THE PAUL REVERE LIFE INSURANCE COMPANY | $232 | $12 | $244 | 0.16% |
| JUAN J MORENO3 | 21 VICARI WAY LITTLE EGG HARBOR, NY 08087 | THE PAUL REVERE LIFE INSURANCE COMPANY | $116 | $12 | $128 | 0.09% |
| DONNA ROSS SMITH3 | 2632 JUDES FERRY RD POWHATAN, VA 23139 | THE PAUL REVERE LIFE INSURANCE COMPANY | $101 | $5 | $106 | 0.07% |
| CYNTHIA LERNER RUBIN3 Filed as: CYNTHIA P WHALEN | 123 PINE VALLEY DR MIDDLETOWN, DE 19709 | THE PAUL REVERE LIFE INSURANCE COMPANY | $96 | — | $96 | 0.06% |
| EVELYN GARCIA3 | 55 BROADWAY NEW YORK, NY 10028 | THE PAUL REVERE LIFE INSURANCE COMPANY | $63 | — | $63 | 0.04% |
| THE HORTON GROUP3 Filed as: ALEX BELFORT | 3010 REGENCY DR READING, PA 19608 | THE PAUL REVERE LIFE INSURANCE COMPANY | $30 | — | $30 | 0.02% |
| RAUL CAIRO JR3 | 310 77TH STREET NORTH BERGEN, NJ 07047 | THE PAUL REVERE LIFE INSURANCE COMPANY | $26 | — | $26 | 0.02% |
| ANZA & ANZA AND ASSOCIATES3 | 1700 PARK AVE WEEHAWKEN, NJ 07086 | THE PAUL REVERE LIFE INSURANCE COMPANY | $9 | $9 | $18 | 0.01% |
| TIMOTHY J REED3 | 21 AZALEA DRIVE LUMBERTON, NC 08048 | THE PAUL REVERE LIFE INSURANCE COMPANY | $16 | — | $16 | 0.01% |
| MARIA VICTORIA SPURLOCK3 | 6826 67TH ST CIRCLE EAST PAMETTO, FL 34221 | THE PAUL REVERE LIFE INSURANCE COMPANY | $6 | — | $6 | 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 | 780 | 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) | 780 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMBLEMHEALTH | 183 | $1.5M |
| Dental | AETNA LIFE INSURANCE COMPANY | 1,141 | $370K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 642 | $175K |
| Short-term disability | THE PAUL REVERE LIFE INSURANCE COMPANY | 3 | $149K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 642 | $175K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 642 | $324K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,141 | — |
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.