| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRANK CRYSTAL & CO INC3 Filed as: FRANK CRYSTAL & CO INC. | 32 OLD SLIP 17TH FLOOR NEW YORK, NY 10005 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $225K | $39K | $264K | 2.72% |
| KSL ASSOCIATES3 | 3333 NEW HYDE PARK RD, STE 400 NEW HYDE PARK, NY 11042 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $125K | $0 | $125K | 1.29% |
| CRYSTAL IBC LLC3 | 32 OLD SLIP NEW YORK, NY 10128 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $20K | $5K | $25K | 3.80% |
| GENATT V LLC3 Filed as: GENATT V LLV | 3333 NEW HYDE PARK ROAD, SUITE 400 NEW HYDE PARK, NY 11042 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | $0 | $13K | 1.91% |
| MINEOLA AGENCY LLC3 | 22 JERICHO TURNPIKE, SUITE 105 MINEOLA, NY 11501 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $50 | $0 | $50 | 0.01% |
| CRYSTAL IBC LLC3 | 32 OLD SLIP NEW YORK, NY 10128 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | $0 | $15K | 9.47% |
| GENATT V LLC3 | 3333 NEW HYDE PARK ROAD, SUITE 400 NEW HYDE PARK, NY 11042 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 2.13% |
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 | 1,483 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,505 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 1,558 | $9.7M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 956 | $655K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 956 | $655K |
| Life insurance(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,246 | $814K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,246 | $158K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,246 | $158K |
| Prescription drug | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 1,558 | $9.7M |
| Other(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,246 | $814K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,558 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.