| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | AETNA LIFE INSURANCE COMPANY | $73K | $0 | $73K | 3.45% |
| CRYSTAL IBC LLC3 | 32 OLD SLIP NEW YORK, NY 10005 | AETNA LIFE INSURANCE COMPANY | $0 | $8K | $8K | 0.40% |
| FRANK CRYSTAL & CO INC3 Filed as: FRANK CRYSTAL & CO. INC. | 32 OLD SLIP NEW YORK, NY 10005 | AETNA LIFE INSURANCE COMPANY | $0 | $158 | $158 | 0.01% |
| CRYSTAL IBC LLC3 | 32 OLD SLIP NEW YORK, NY 10005 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 7.83% |
| CRYSTAL IBC LLC3 | 32 OLD SLIP NEW YORK, NY 10005 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $4K | $0 | $4K | 7.99% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 176 FEDERAL ST MEZZANINE BOSTON, MA 02110 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $538 | $0 | $538 | 1.10% |
| CRYSTAL IBC LLC3 | 32 OLD SLIP NEW YORK, NY 10005 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | $0 | $2K | 6.94% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 176 FEDERAL ST MEZZANINE BOSTON, MA 02110 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $399 | $0 | $399 | 1.18% |
| CRYSTAL IBC LLC3 | 32 OLD SLIP FINANCIAL SQUARE NEW YORK, NY 10005 | EYEMED VISION CARE | $1K | $0 | $1K | 9.04% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | EYEMED VISION CARE | $246 | $0 | $246 | 1.65% |
| CRYSTAL IBC LLC3 | 575 MARKET STREET SUITE 3600 SAN FRANCISCO, CA 94105 | MHN SERVICES, LLC | $220 | $0 | $220 | 3.23% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 420 LEXINGTON AVENUE SUITE 531 NEW YORK, NY 10170 | MHN SERVICES, LLC | $74 | $0 | $74 | 1.09% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | MHN SERVICES, LLC | $47 | $0 | $47 | 0.69% |
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 | 268 | 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) | 268 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 301 | $2.1M |
| Dental | AETNA LIFE INSURANCE COMPANY | 301 | $2.1M |
| Vision | EYEMED VISION CARE | 180 | $15K |
| Life insurance | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 271 | $34K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 323 | $58K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 273 | $49K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 301 | $2.1M |
| Other(2 contracts, 2 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 313 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 323 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.