| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CRYSTAL IBC LLC3 | 32 OLD SLIP NEW YORK, NY 10005 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $87K | — | $87K | 2.73% |
| FRANK CRYSTAL & CO INC3 Filed as: FRANK CRYSTAL & CO, INC. | 32 OLD SLIP NEW YORK, NY 10005 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $3K | $3K | 0.10% |
| CRYSTAL IBC LLC3 | 32 OLD SLIP SUITE 200 NEW YORK, NY 10005 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 13.79% |
| KEVIN CARTY3 | 10 DINGLEY RD CARMEL, NY 10512 | AFLAC | $988 | $20 | $1K | 7.90% |
| ALVARO JAVIER MONTENEGRO3 | 14 WALL ST NEW YORK, NY 10005 | AFLAC | $44 | $20 | $64 | 0.50% |
| WILLIAM W BOSSHART3 | 63 POST OFFICE ROAD 387 WACCABUC, NC 10597 | AFLAC | $42 | $22 | $64 | 0.50% |
| DARLENE RUESS3 | 110 HADDEN ST PEEKSKILL, NY 10566 | AFLAC | $55 | — | $55 | 0.43% |
| ROCO SOLUTIONS LLC3 | PO BOX 907 BEACON, NY 12508 | AFLAC | $55 | — | $55 | 0.43% |
| JASON SCZEPANIAK3 Filed as: JASON HARTMAN | 225 DOLSON AVE STE 304 MIDDLETOWN, NY 10940 | AFLAC | $51 | — | $51 | 0.40% |
| MCINERNEY GROUP LLC3 | 580 WHITE PLAINS RD STE 115 TARRYTOWN, NY 10591 | AFLAC | $50 | — | $50 | 0.39% |
| KOBER ASSOCIATES LLC3 | 14107 20TH AVE STE 507 WHITESTONE, NY 11357 | AFLAC | $49 | — | $49 | 0.38% |
| RICHARD JOSEPH3 | 34 PONDVIEW DR CONGERS, NY 10920 | AFLAC | $37 | $11 | $48 | 0.38% |
| VINCENT TAYLOR ECHOLS3 Filed as: VINCENT JOSEPH KRILL | 1 BLUE HILL PLZ STE 1535 PEARL RIVER, NY 10965 | AFLAC | $43 | — | $43 | 0.34% |
| KEVIN MCCARTHY3 | 197 LANG DR NORTH KINGSTOWN, RI 02852 | AFLAC | $34 | — | $34 | 0.27% |
| SUZANNE CARTY3 | 10 DINGLEY RD CARMEL, NY 10512 | AFLAC | $26 | — | $26 | 0.20% |
| RANDI E RIVA3 | 340 W PALMETTO PARK RD UNIT 504B BOCA RATON, FL 33432 | AFLAC | $17 | — | $17 | 0.13% |
| DARLENE RUESS3 | 60 NARRAGANSETT AVE OSSINING, NY 10562 | AFLAC | $16 | — | $16 | 0.13% |
| JOSHUA K HOPPE3 | 85076 MAJESTIC WALK CIR FERNANDINA BEACH, FL 32034 | AFLAC | $14 | — | $14 | 0.11% |
| MELISA SCHOFIELD3 | 932 E VOLK LN MIDDLETOWN, CT 06457 | AFLAC | $9 | — | $9 | 0.07% |
| ROCO SOLUTIONS LLC3 | 52 SUSAN DR NEWBURGH, NY 12550 | AFLAC | $7 | — | $7 | 0.05% |
| TOMAS E FLORES3 | 1265 15TH ST APT 16G FORT LEE, NJ 07024 | AFLAC | $5 | — | $5 | 0.04% |
| AMANDA GRABANICA3 | 7 COLONIAL RD SCARSDALE, NY 10583 | AFLAC | $4 | — | $4 | 0.03% |
| WENDY CALIENDO3 Filed as: WENDY M CALIENDO | 1036 MAGGIE RD NEWBURGH, NY 12550 | AFLAC | $1 | — | $1 | 0.01% |
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 | 143 | 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) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 118 | $3.2M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 118 | $3.2M |
| Vision | AFLAC | 9 | $13K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 143 | $49K |
| Short-term disability | AFLAC | 9 | $13K |
| Long-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 143 | $49K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 143 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 143 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.