| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRANK CRYSTAL & CO INC3 Filed as: FRANK CRYSTAL & CO, INC. | 32 OLD SLIP FINANCIAL SQUARE 17TH FLOOR NEW YORK, NY 10005 | OXFORD HEALTH INSURANCE, INC | $64K | — | $64K | 1.16% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | OXFORD HEALTH INSURANCE, INC | $44K | $5K | $49K | 0.90% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE, 21ST FLOOR NEW YORK, NY 10173 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $296 | $3K | 5.14% |
| CRYSTAL IBC LLC3 | 32 OLD SLIP FINANCIAL SQUARE NEW YORK, NY 10005 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $295 | $2K | 3.92% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY BLDG 2, STE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $223 | — | $223 | 0.45% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 32 OLD SLIP FINANCIAL SQUARE NEW YORK, NY 10005 | HARTFORD LIFE AND ACCIDENT | $3K | — | $3K | 6.86% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE, 21ST FLOOR NEW YORK, NY 10173 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 4.22% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2 PIERCE PLACE 21ST FLOOR ITASCA, IL 60143 | HARTFORD LIFE AND ACCIDENT | — | $509 | $509 | 1.39% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | HARTFORD LIFE AND ACCIDENT | — | $61 | $61 | 0.17% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES INC | 1901 ROXBOROUGH RD SUITE 300 CHARLOTTE, NC 28211 | HARTFORD LIFE AND ACCIDENT | — | $55 | $55 | 0.15% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY)LLC | 340 MADISON AVE FL 21 NEW YORK, NY 10173 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 10.01% |
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 | 210 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 55 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 265 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC | 487 | $5.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 192 | $258K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 83 | $15K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 251 | $50K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 210 | $37K |
| Prescription drug | OXFORD HEALTH INSURANCE, INC | 487 | $5.5M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 251 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 487 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.