| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRANK CRYSTAL & CO INC3 | 32 OLD SLIP 17TH FLOOR NEW YORK, NY 10005 | OXFORD HEALTH INSURANCE, INC | $94K | $0 | $94K | 3.27% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC NY | 1 EXECUTIVE DRIVE NEW YORK, NY 10005 | OXFORD HEALTH INSURANCE, INC | $21K | $0 | $21K | 0.74% |
| CRYSTAL IBC LLC3 | 32 OLD SLIP NEW YORK, NY 10005 | CIGNA HEALTHCARE AND LIFE INSURANCE COMPANY AND AFFILIATES | $5K | $0 | $5K | 3.07% |
| FRANK CRYSTAL & CO INC3 Filed as: FRANK CRYSTAL & CO INC DBA CRYSTAL | 32 OLD SLIP RD NEW YORK, NY 10005 | CIGNA HEALTHCARE AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $1K | $1K | 0.74% |
| CRYSTAL IBC LLC3 | FINANCIAL SQUARE 32 OLD SLIP NEW YORK, NY 10005 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $10K | $0 | $10K | 8.50% |
| AXA ASSISTANCE, USA5 Filed as: AXA ASSISTANCE USA | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $77 | $77 | 0.07% |
| ENIDA MICI3 | 353 E 82ND ST APT 9 NEW YORK, NY 10028 | AFLAC | $3K | $13 | $3K | 3.46% |
| KOBER ASSOCIATES LLC3 | 14107 20TH AVE STE 507 WHITESTONE, NY 11357 | AFLAC | $2K | $0 | $2K | 2.48% |
| FRANK CRYSTAL & CO INC3 | 1 FINANCIAL SQ FL32 NEW YORK, NY 10005 | AFLAC | $2K | $0 | $2K | 1.96% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | AFLAC | $1K | $0 | $1K | 1.31% |
| STEPHEN WHITE3 Filed as: STEPHEN P WHITE | 5 EMERALD LANE MONTEBELLO, NY 10901 | AFLAC | $641 | $0 | $641 | 0.84% |
| RICHARD PETERSON3 | 14107 20TH AVE STE 507 WHITESTONE, NY 11357 | AFLAC | $531 | $9 | $540 | 0.70% |
| MATTHEW CERULLA3 | 353 E 82ND ST APT 9 NEW YORK, NY 10028 | AFLAC | $481 | $22 | $503 | 0.66% |
| CHOO INC3 | 39 CENTRAL AVE 3RD FLOOR MONTCLAIR, NJ 07042 | AFLAC | $494 | $0 | $494 | 0.64% |
| J G DENIVO CORP3 | 14107 20TH AVE STE 102 WHITESTONE, NY 11357 | AFLAC | $440 | $0 | $440 | 0.57% |
| KENNETH C MEIER CORP3 | 401 FRANKLIN AVE STE 312 GARDEN CITY, NY 11530 | AFLAC | $436 | $0 | $436 | 0.57% |
| S BEIN INC3 | 81 STEPHEN DR PLAINVIEW, NY 11803 | AFLAC | $221 | $0 | $221 | 0.29% |
| CIRO ABRIL3 | 18 BRACKEN CT HOWELL, NJ 07731 | AFLAC | $191 | $0 | $191 | 0.25% |
| KENNETH REY VIOLA3 | 14 WALL STREET SUITE 8C NEW YORK, NY 10005 | AFLAC | $190 | $0 | $190 | 0.25% |
| DEGATI & ASSOCIATES INC3 | 16059 23RD AVE WHITESTONE, NY 11357 | AFLAC | $167 | $0 | $167 | 0.22% |
| JOHN ALAN RAILTON3 | 7 FLINT RD AMITYVILLE, NY 11701 | AFLAC | $146 | $0 | $146 | 0.19% |
| DOUGLAS MEIER3 Filed as: DOUGLAS R MEIER | 23 ROCKLEDGE TER POMPTON PLAINS, NJ 07444 | AFLAC | $130 | $0 | $130 | 0.17% |
| PATRICK RUHLE3 Filed as: PATRICK C HARDIE | 14 WALL STREET SUITE 8C NEW YORK, NY 10005 | AFLAC | $88 | $0 | $88 | 0.11% |
| HOWARD J. METZGER3 Filed as: HOWARD METZGER | 179 E MIDDLE PATENT RD BEFORD, NY 10506 | AFLAC | $80 | $0 | $80 | 0.10% |
| KIMBERLY O DEMETRI3 Filed as: KIMBERLY DEMETRI | 110 RUSHMORE CT FLORHAM PARK, NJ 07932 | AFLAC | $78 | $0 | $78 | 0.10% |
| BRIAN WHITE3 | 6 COWDIN LN CHAPPAQUA, NY 10514 | AFLAC | $70 | $0 | $70 | 0.09% |
| GERALD M QUINN3 | 42766 KEARNEY TER CHANTILLY, VA 20152 | AFLAC | $64 | $0 | $64 | 0.08% |
| DANIELLE L SCHOFS3 | 1473 1ST AVE APT 3D NEW YORK, NY 10075 | AFLAC | $50 | $0 | $50 | 0.07% |
| RICHARD A KORISH JR3 | 940 DENTON ST LA CROSSE, WI 54601 | AFLAC | $42 | $0 | $42 | 0.05% |
| TODD J BURKE CORP3 | 2 IRIS LANE GARDEN CITY, NY 11530 | AFLAC | $41 | $0 | $41 | 0.05% |
| BENITE A ROTONDI II INC3 | 23 PINE RIDGE RD SARATOGA SPRINGS, NY 12866 | AFLAC | $25 | $0 | $25 | 0.03% |
| MARTIN F. CONROY3 Filed as: MARTIN F CONROY | P O BOX 475 HOBOKEN, NJ 07030 | AFLAC | $23 | $0 | $23 | 0.03% |
| BRIAN M DENOIA3 | 223 RIVERSIDE DR BAYVILLE, NJ 08721 | AFLAC | $22 | $0 | $22 | 0.03% |
| BRIAN M DENOIA3 | 71 BUTLER BLVD BAYVILLE, NJ 08721 | AFLAC | $20 | $0 | $20 | 0.03% |
| ALICE VICTORIA PILEK3 | 12 VIRIGINIA DR MEDFORD, NY 11763 | AFLAC | $15 | $0 | $15 | 0.02% |
| JENNIFER E LUBELSKY3 Filed as: JENNIFER ELIA LUBELSKY | 80 JOHN ST APT 11C NEW YORK, NY 10038 | AFLAC | $12 | $0 | $12 | 0.02% |
| MICHAEL WELLING3 | 22 BRANCH BROOK RD WHITE PLAINS, NY 10605 | AFLAC | $11 | $0 | $11 | 0.01% |
| ROCO SOLUTIONS LLC3 | PO BOX 907 BEACON, NY 12508 | AFLAC | $11 | $0 | $11 | 0.01% |
| MICHAEL BURACK3 | 125 JERICHO TURNPIKE SUITE 201 JERICHO, NY 11753 | AFLAC | $11 | $0 | $11 | 0.01% |
| JENNIFER E LUBELSKY3 Filed as: JENNIFER ELIA LUBELSKY | 80 JOHN ST APT 11C NEW YORK, NY 10038 | AFLAC | $11 | $0 | $11 | 0.01% |
| MICHAEL BUTTERFIELD3 | 2021 NEW RD STE 12B LINWOOD, NJ 08221 | AFLAC | $10 | $0 | $10 | 0.01% |
| MG BENEFITS CONSULTING GROUP LLC3 | 2A HARDSCRAPPLE RD NORTH SALEM, NY 10560 | AFLAC | $8 | $0 | $8 | 0.01% |
| RJ FREGENTI ASSOCIATES INC3 | 350 JERICHO TPKE STE 201 JERICHO, NY 11753 | AFLAC | $6 | $0 | $6 | 0.01% |
| JASON SCZEPANIAK3 Filed as: JASON HARTMAN | 225 DOLSON AVE STE 304 MIDDLETOWN, NY 10940 | AFLAC | $5 | $0 | $5 | 0.01% |
| JACQUES P DAVID CORPORATION3 | 125 JERICHO TURNPIKE SUITE 201 JERICHO, NY 11753 | AFLAC | $5 | $0 | $5 | 0.01% |
| MCINERNEY GROUP LLC3 | 580 WHITE PLAINS RD STE 115 TARRYTOWN, NY 10591 | AFLAC | $2 | $0 | $2 | 0.00% |
| BRIAN M LEYPOLDT3 | 67 ALLISON PL EGG HARBOR TWP, NJ 08234 | AFLAC | $1 | $0 | $1 | 0.00% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN A PITUCH | 60 US HIGHWAY 46 STE 4 FAIRFIELD, NJ 07004 | AFLAC | $1 | $0 | $1 | 0.00% |
| MELISA SCHOFIELD3 | 932 E VOLK LN MIDDLETOWN, CT 06457 | AFLAC | $1 | $0 | $1 | 0.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 12.72% |
| RAYMOND J KOBER3 | 14107 20TH AVE STE 507 WHITESTONE, NY 11357 | AFLAC | $833 | $0 | $833 | 3.50% |
| MARSH & MCLENNAN AGENCY LLC3 | 605 THIRD AVENUE NEW YORK, NY 10158 | AFLAC | $316 | $0 | $316 | 1.33% |
| ENIDA MICI3 | 353 E 82ND ST NEW YORK, NY 10028 | AFLAC | $253 | $51 | $304 | 1.28% |
| STEPHEN WHITE3 Filed as: STEPHEN P WHITE | 5 EMERALD LANE MONTEBELLO, NY 10901 | AFLAC | $236 | $0 | $236 | 0.99% |
| JASON G DENIVO3 | 14107 2OTH AVE STE 102 WHITESTONE, NY 11357 | AFLAC | $230 | $0 | $230 | 0.97% |
| ARON D TERAN3 | 3812 CARRIAGE HILL DR FREDERICK, MD 21704 | AFLAC | $194 | $0 | $194 | 0.82% |
| KENNEITH C MEIER3 | 11835 QUEENS BVLD STE 1403 FOREST HILLS, NY 11375 | AFLAC | $118 | $0 | $118 | 0.50% |
| JENNIFER E LUBELSKY3 | 80 JOHN ST APT 11C NEW YORK, NY 10038 | AFLAC | $99 | $0 | $99 | 0.42% |
| STEVEN WILLIAM BEINHORN3 | 81 STEPHEN DR PLAINVIEW, NJ 11803 | AFLAC | $83 | $0 | $83 | 0.35% |
| RICHARD PETERSON3 | 14107 20TH AVE STE 507 WHITESTONE, NY 11357 | AFLAC | $43 | $9 | $52 | 0.22% |
| CIRO ABRIL3 | 18 BRACKEN CT HOWELL, NJ 07731 | AFLAC | $41 | $0 | $41 | 0.17% |
| BENJAMIN KLINGER3 | 5503 SPRUCE TREE AVE BETHESDA, MD 20814 | AFLAC | $39 | $0 | $39 | 0.16% |
| YVONNE CRISPINO KLINGER3 | 152 ROLLINS AVE STE 210 ROCKVILLE, MD 20852 | AFLAC | $37 | $0 | $37 | 0.16% |
| CRYSTAL IBC LLC3 | 1 FINANCIAL SQ NEW YORK, NY 10005 | AFLAC | $31 | $0 | $31 | 0.13% |
| PURAZZO INSURANCE SERVICES, INC.3 Filed as: PURAZZO INSURANCE SERVICES INC | PO BOX 477 PORT MONMOUTH, NJ 07758 | AFLAC | $28 | $0 | $28 | 0.12% |
| FRENKEL BENEFITS LLC3 Filed as: FRENKEL AND CO INC | 601 PLAZA 1 6TH FLOOR JERSEY CITY, NJ 07311 | AFLAC | $22 | $0 | $22 | 0.09% |
| BRIAN WHITE3 Filed as: BRIAN M WHITE | 6 COWDIN LN CHAPPAQUA, NY 10514 | AFLAC | $21 | $0 | $21 | 0.09% |
| ZORN BENEFITS GROUP LLC3 | 179 S GLEN RD KINNELON, NJ 07405 | AFLAC | $18 | $0 | $18 | 0.08% |
| NANCY CLIFTON3 | 184 VILLA DI ESTE TER UNIT 112 LAKE MARY, FL 32746 | AFLAC | $16 | $0 | $16 | 0.07% |
| SCOTT MILLER3 | 4000 RIVERDALE RD APT 315 RIVERDALE, NJ 07457 | AFLAC | $15 | $0 | $15 | 0.06% |
| BENITO A ROTONDI II INC3 Filed as: BENITO A ROTONDI II | 23 PINE RIDGE RD SARATOGA SPRINGS, NC 12866 | AFLAC | $10 | $0 | $10 | 0.04% |
| JILL LISA RAPPAPORT3 | 141 22ND ST BROOKLYN, NY 11232 | AFLAC | $9 | $1 | $10 | 0.04% |
| MKF & ASSOCIATES INC3 | 300 CAHABA PARK CIR STE 133 BIRMINGHAM, AL 35242 | AFLAC | $8 | $0 | $8 | 0.03% |
| TODD J BURKE CORP3 | 1 SEAPORT PLZ 23RD FL NEW YORK, NY 10038 | AFLAC | $8 | $0 | $8 | 0.03% |
| PATRICK RUHLE3 Filed as: PATRICK C HARDIE | 14 WALL STREET SUITE 8C NEW YORK, NY 10005 | AFLAC | $6 | $0 | $6 | 0.03% |
| DAVID MORNINGSTAR3 | 11285 DOVEDALE CT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $6 | $0 | $6 | 0.03% |
| ROBERT L TRAPNELL JR3 | 15 N INDIAN RIVER DR APT 705 COCOA, FL 32922 | AFLAC | $4 | $0 | $4 | 0.02% |
| EDWIN VEGA3 | 134 PINECOVE AVE ODENTON, MA 21113 | AFLAC | $3 | $0 | $3 | 0.01% |
| KELLY LYNN FELDMAN3 | 15324 SWEETBAY STREET WOODBINE, MD 21797 | AFLAC | $2 | $0 | $2 | 0.01% |
| JEREMY A FELDMAN3 | 15324 SWEETBAY ST WOODBINE, MD 21797 | AFLAC | $2 | $0 | $2 | 0.01% |
| REBECCA MILNER KING3 | 3402 WOODVALLEY DR PIKESVILLE, MD 21208 | AFLAC | $2 | $0 | $2 | 0.01% |
| MELISSA A COHEN3 | 7909 STEVENSON RD PIKESVILLE, MD 21208 | AFLAC | $1 | $0 | $1 | 0.00% |
| LINDA B CAMPBELL3 | 174 PALMETTO GREEN DR LONGS, SC 29568 | AFLAC | $1 | $0 | $1 | 0.00% |
| CRYSTAL IBC LLC3 | 32 OLD SLIP FLOOR 17 NEW YORK, NY 10005 | VISION SERVICE PLAN | $953 | $0 | $953 | 6.07% |
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 | 219 | 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) | 219 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC | 314 | $2.9M |
| Dental | CIGNA HEALTHCARE AND LIFE INSURANCE COMPANY AND AFFILIATES | 188 | $148K |
| Vision | VISION SERVICE PLAN | 175 | $16K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 219 | $114K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 49 | $26K |
| Prescription drug | CIGNA HEALTHCARE AND LIFE INSURANCE COMPANY AND AFFILIATES | 188 | $148K |
| Other(3 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 219 | $214K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 314 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.