| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRANK CRYSTAL & CO INC3 | 240 ROYAL PALM WAY PALM BEACH, FL 334804304 | BLUE CROSS BLUE SHIELD OF FLORIDA | $39K | — | $39K | 5.00% |
| FRANK CRYSTAL & CO INC3 Filed as: FRANK CRYSTAL & CO OF FL INC | 1 N CLEMATIS ST WEST PALM BEACH, FL 33401 | AETNA LIFE INSURANCE CO. | $9K | — | $9K | 10.81% |
| FRANK CRYSTAL & CO INC3 Filed as: FRANK CRYSTAL & COMPANY | 1 N CLEMATIS ST WEST PALM BEACH, FL 33401 | UNITED CONCORDIA INSURANCE COMPANY | $1K | — | $1K | 2.47% |
| CRYSTAL IBC LLC3 | 32 OLD SLIP, 18TH FL NEW YORK CITY, NY 10005 | UNITED CONCORDIA INSURANCE COMPANY | $1K | — | $1K | 2.36% |
| GREENE-HAZEL & ASSOCS INC3 Filed as: GREENE HAZEL & ASSOC INC. | 10739 DEERWOOD PARK BLVD SUITE 200 JACKSONVILLE, FL 322564839 | HUMANA INSURANCE COMPANY OF NE | $1K | — | $1K | 10.00% |
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 | 111 | 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) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 76 | $777K |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 175 | $49K |
| Vision | HUMANA INSURANCE COMPANY OF NE | 92 | $13K |
| Life insurance | AETNA LIFE INSURANCE CO. | 111 | $80K |
| Short-term disability | AETNA LIFE INSURANCE CO. | 111 | $80K |
| Long-term disability | AETNA LIFE INSURANCE CO. | 111 | $80K |
| Other | AETNA LIFE INSURANCE CO. | 111 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 175 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.