| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRANK CRYSTAL & CO INC3 Filed as: FRANK CRYSTAL & CO INC DBA CRYSTAL | 32 OLD SLIP NEW YORK, NY 10005 | AETNA LIFE INSURANCE CO. | $38K | — | $38K | 2.02% |
| CRYSTAL IBC LLC3 | 32 OLD SLIP NEW YORK, NY 10005 | AETNA LIFE INSURANCE CO. | $25K | — | $25K | 1.33% |
| CRYSTAL IBC LLC3 | 32 OLD SLIP NEW YORK, NY 10005 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 8.98% |
| CRYSTAL IBC LLC3 | 32 OLD SLIP NEW YORK, NY 10005 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $4K | — | $4K | 11.28% |
| CRYSTAL IBC LLC3 | 32 OLD SLIP NEW YORK, NY 10005 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | — | $2K | 9.39% |
| CRYSTAL IBC LLC3 | 32 OLD SLIP FINANCIAL SQUARE NEW YORK, NY 10005 | EYE MED - FIDELITY SECURITY LIFE INSURANCE OF NEW YORK | $1K | — | $1K | 9.10% |
| FRENKEL BENEFITS LLC3 Filed as: FRENKEL & CO INC | 350 HUDSON ST 4TH FLOOR NEW YORK, NY 10014 | MHN SERVICES | $210 | — | $210 | 5.00% |
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 | 254 | 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) | 254 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 292 | $1.9M |
| Dental | AETNA LIFE INSURANCE CO. | 292 | $1.9M |
| Vision | EYE MED - FIDELITY SECURITY LIFE INSURANCE OF NEW YORK | 173 | $13K |
| Life insurance | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 254 | $22K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 315 | $39K |
| Long-term disability(2 contracts) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 254 | $54K |
| Prescription drug | AETNA LIFE INSURANCE CO. | 292 | $1.9M |
| Other(2 contracts, 2 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 254 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 315 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.