| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRANK CRYSTAL & CO INC3 Filed as: FRANK CRYSTAL & CO., INC. | FINANCIAL SQUARE 32 OLD SLIP NEW YORK, NY 10005 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $10K | — | $10K | 104.73% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH & LIFE INSURANCE CO. EIN 59-1031071 NONE | Claims processing; Direct payment from the plan; Float revenue; Named fiduciary; Other services; Contract Administrator; Participant communication; Non-monetary compensation Service code 12 | — | $1.6M |
| BARRY REICH EIN 13-5549593 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $169K |
| DENISE ANA HABIB EIN 13-5549593 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $149K |
| MICHAEL J HAFT EIN 13-5549593 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $120K |
| MILLER & MELLOMENT, CPAS NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | 529 5TH AVENUE NEW YORK, NY 10017 | $112K |
| AGNES D. PATRICK EIN 13-5549593 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $108K |
| BIBI AMENA AHMAD EIN 13-5549593 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $107K |
| DHANRAJEE KHAN EIN 13-5549593 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $104K |
| ALBERT FERNANDEZ EIN 13-5549593 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $99K |
| BELKIS HENRIQUEZ EIN 13-5549593 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $99K |
| NILSA SANTIAGO WILFOR EIN 13-5549593 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $92K |
| SANDRA ANTONUCCI EIN 13-5549593 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $92K |
| HILTON HOPE EIN 13-5549593 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $89K |
| MARIA HENRIQUEZ EIN 13-5549593 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $89K |
| NELCINA TESHEIRA EIN 13-5549593 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $86K |
| RAQUEL L. ZAS EIN 13-5549593 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $81K |
| CARY KANE, LLP EIN 20-1942442 LEGAL | Legal; Direct payment from the plan Service code 29 | — | $78K |
| MELINDA AGUERO EIN 13-5549593 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $77K |
| MICDALIA HARTKOPF EIN 13-5549593 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $76K |
| FRANCES SAEZ EIN 13-5549593 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $76K |
| ELIZABETH MARTINEZ EIN 13-5549593 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $73K |
| MARYANN CURRIE EIN 13-5549593 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $65K |
| DEALY AND SILBERSTEIN EIN 13-1566077 NONE | Legal; Direct payment from the plan Service code 29 | — | $55K |
| O'SULLIVAN AND ASSOCIATES EIN 20-8199367 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $55K |
| SSP A DIVISION OF CALIBRE CPA GROUP EIN 47-0900880 AUDITOR | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $38K |
| OPTUMRX, INC EIN 33-0441200 NONE | Claims processing; Float revenue; Other fees; Direct payment from the plan Service code 12 | — | $24K |
| MADON MALIN, PC EIN 13-3509284 LEGAL | Legal; Direct payment from the plan Service code 29 | — | $20K |
| CIGNA | Other services; Named fiduciary; Float revenue; Claims processing; Participant communication; Contract Administrator; Direct payment from the plan; Non-monetary compensation Service code 12 | — | $0 |
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 | 3,318 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,339 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DENTCARE DELIVERY SYSTEMS | 3,174 | $1.4M |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 0 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,174 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.