| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC (SD) | 701 B ST 6TH FLR SAN DIEGO, CA 92101 | OXFORD HEALTH INSURANCE, INC. | $166K | — | $166K | 2.68% |
| FRANK CRYSTAL & CO INC3 Filed as: FRANK CRYSTAL & CO, INC. | FINANCIAL SQUARE 32 OLD SLIP, 17TH FLOOR NEW YORK, NY 10005 | OXFORD HEALTH INSURANCE, INC. | $81K | — | $81K | 1.30% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 701 B 6TH FLOOR SAN DIEGO, CA 92101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $20K | — | $20K | 4.16% |
| CRYSTAL IBC LLC3 | 32 OLD SLIP NEW YORK, NY 10005 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $4K | — | $4K | 0.82% |
| CRYSTAL IBC LLC3 | FINANCIAL SQUARE 32 OLD SLIP NEW YORK, NY 10005 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $29K | — | $29K | 11.52% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $104 | $104 | 0.04% |
| CRYSTAL IBC LLC3 | 32 OLD SLIP FL 17 NEW YORK, NY 10005 | VISION SERVICE PLAN | $2K | — | $2K | 2.63% |
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 | 314 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 24 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 338 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC. | 696 | $6.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 294 | $492K |
| Vision | VISION SERVICE PLAN | 272 | $88K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 296 | $249K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 296 | $249K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 296 | $249K |
| Prescription drug | OXFORD HEALTH INSURANCE, INC. | 696 | $6.2M |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 296 | $249K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 696 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.