| 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 | $19K | — | $19K | 2.50% |
| CRYSTAL IBC LLC3 | 32 OLD SLIP NEW YORK, NY 10005 | AETNA LIFE INSURANCE CO. | $13K | — | $13K | 3.44% |
| THE WORKSIGHT GROUP LLC3 | 449 CENTRAL AVE SAINT PETERSBURG, FL 33701 | THE PAUL REVERE LIFE INSURANCE COMPANY | $5K | $5K | $10K | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 100 SUNNYSIDE BLVD WOODBURY, NY 11797 | THE PAUL REVERE LIFE INSURANCE COMPANY | $10K | — | $10K | 4.99% |
| CRYSTAL IBC LLC3 | 32 OLD SLIP NEW YORK, NY 10005 | THE PAUL REVERE LIFE INSURANCE COMPANY | $9K | — | $9K | 4.47% |
| DANA SUMMERS3 | 135 BALLSTON DR MOORESVILLE, NC 28117 | THE PAUL REVERE LIFE INSURANCE COMPANY | $8K | $185 | $8K | 4.10% |
| THOMAS E KIENZLER3 | 359 WASHINGTON RD ENFIELD, CT 06082 | THE PAUL REVERE LIFE INSURANCE COMPANY | $6K | $64 | $6K | 2.80% |
| JAQUIYA HAMMIEL TURNER3 | 1720 NEW YORK AVE UNION CITY, NJ 07087 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3K | $604 | $3K | 1.60% |
| BRIAN SUMMERS3 | 135 BALLSTON DR MOORESVILLE, NC 28117 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | $158 | $2K | 0.97% |
| ERIC IMMERMAN3 | 270 10TH ST JERSEY CITY, NJ 07302 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | $12 | $1K | 0.54% |
| PHYLLIS DUNN3 | 14 NUHFER DR COLUMBIA, CT 06237 | THE PAUL REVERE LIFE INSURANCE COMPANY | $422 | $368 | $790 | 0.39% |
| BRAD BIEL3 | 1050 WALL STREET WEST LYNDHURST, NJ 07071 | THE PAUL REVERE LIFE INSURANCE COMPANY | $546 | $19 | $565 | 0.28% |
| MICHAEL ANGELO ARROYO3 | 28 OXFORD PLACE STATEN ISLAND, NY 10301 | THE PAUL REVERE LIFE INSURANCE COMPANY | $471 | $3 | $474 | 0.23% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK RD SUTTON, MA 01590 | THE PAUL REVERE LIFE INSURANCE COMPANY | $422 | $31 | $453 | 0.22% |
| IRA EDENBAUM3 | 1 CARLETON DR FREEHOLD, NJ 07728 | THE PAUL REVERE LIFE INSURANCE COMPANY | $367 | $12 | $379 | 0.19% |
| C & L REED ASSOCIATES LLC3 | 2911 GLENARDEN DRIVE CHARLESTON, SC 29414 | THE PAUL REVERE LIFE INSURANCE COMPANY | $358 | — | $358 | 0.18% |
| JAMEL WRIGHT3 | 138 SCOLES AVE CLIFTON, NJ 07012 | THE PAUL REVERE LIFE INSURANCE COMPANY | $300 | $3 | $303 | 0.15% |
| DAVID L FLEURY3 | 162 INDIAN POINT RD TIVERTON, RI 02878 | THE PAUL REVERE LIFE INSURANCE COMPANY | $283 | — | $283 | 0.14% |
| RAUHN TURNER3 | 1720 NEW YORK AVE UNION CITY, NJ 07087 | THE PAUL REVERE LIFE INSURANCE COMPANY | $198 | — | $198 | 0.10% |
| YOLANDA TRISTANCHO-HELWIG3 | 315 WEST 39TH STREET NEW YORK, NY 10018 | THE PAUL REVERE LIFE INSURANCE COMPANY | $174 | — | $174 | 0.09% |
| CDC CONSULTING SERVICES INC3 | 47 WESTERN AVE DEER PARK, NY 11729 | THE PAUL REVERE LIFE INSURANCE COMPANY | $95 | — | $95 | 0.05% |
| BENJAMIN L GALLO3 | 17 BRANT AVE CLARK, NJ 07066 | THE PAUL REVERE LIFE INSURANCE COMPANY | $74 | $2 | $76 | 0.04% |
| CYNTHIA LERNER RUBIN3 Filed as: CYNTHIA P WHALEN | 123 PINE VALLEY DR MIDDLETOWN, DE 19709 | THE PAUL REVERE LIFE INSURANCE COMPANY | $72 | — | $72 | 0.04% |
| ELIZABETH HERNANDEZ3 | 245 W 72ND STREET NEW YORK, NY 10023 | THE PAUL REVERE LIFE INSURANCE COMPANY | $55 | — | $55 | 0.03% |
| JUAN J MORENO3 | 21 VACARI WAY LITTLE EGG HARBOR, NJ 08087 | THE PAUL REVERE LIFE INSURANCE COMPANY | $38 | — | $38 | 0.02% |
| DONNA ROSS SMITH3 | 2632 JUDES FERRY RD POWHATAN, VA 23139 | THE PAUL REVERE LIFE INSURANCE COMPANY | $36 | — | $36 | 0.02% |
| EVELYN GARCIA3 | 55 BROADWAY NEW YORK, NY 10028 | THE PAUL REVERE LIFE INSURANCE COMPANY | $19 | — | $19 | 0.01% |
| TIMOTHY J REED3 | 21 AZALEA DRIVE LUMBERTON, NJ 08048 | THE PAUL REVERE LIFE INSURANCE COMPANY | $15 | — | $15 | 0.01% |
| BROAD COVERAGE SERVICE INC3 | 6 KASER TERRACE MONSEY, NY 10952 | THE PAUL REVERE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.00% |
| MARIA VICTORIA SPURLOCK3 | 6826 67TH ST CIRCLE EAST PAMETTO, FL 34221 | THE PAUL REVERE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| THE HORTON GROUP3 Filed as: ALEX BELFORT | 3010 REGENCY DR READING, PA 19608 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| FNA INSURANCE SERVICES INC3 | 2003 JERICHO TURNPIKE NEW HYDE PARK, NY 11040 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| HELEN DIZ-HATTON3 | 4 PALMER LANE ENGLISHTOWN, NJ 07726 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| HULL & COMPANY OF NEW YORK, INC.3 Filed as: HULL & COMPANY INC | 600 COMMUNITY DR MANHASSET, NY 11030 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| CRYSTAL IBC LLC3 | 32 OLD SLIP NEW YORK, NY 10005 | HARTFORD LIFE AND ACCIDENT | $21K | $2K | $24K | 16.60% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 1.52% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES, INC | 1000 WOODBURY ROAD STE 403 WOODBURY, NY 11797 | HARTFORD LIFE AND ACCIDENT | — | -$2 | -$2 | -0.00% |
| FRANK CRYSTAL & CO INC3 Filed as: FRANK CRYSTAL & CO. | 32 OLD SLIP NEW YORK, NY 10005 | EMBLEMHEALTH | $20K | — | $20K | — |
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 | 606 | 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) | 606 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | EMBLEMHEALTH | 174 | $744K |
| Dental | AETNA LIFE INSURANCE CO. | 1,181 | $369K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 606 | $143K |
| Short-term disability | THE PAUL REVERE LIFE INSURANCE COMPANY | 197 | $202K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 606 | $143K |
| Other(2 contracts, 2 carriers) | THE PAUL REVERE LIFE INSURANCE COMPANY | 606 | $345K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,181 | — |
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.