| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CRYSTAL IBC LLC3 | 32 OLD SLIP NEW YORK, NY 10005 | BLUE CROSS BLUE SHIELD OF FLORIDA | $25K | — | $25K | 5.00% |
| MONTOYA AND ASSOCIATES LLC3 Filed as: MONTOYA & ASSOCIATES, LLC | 236 PONTE VEDRA PARK DR. STE 101 PONTE VEDRA BEACH, FL 32082 | BLUE CROSS BLUE SHIELD OF FLORIDA | $17K | — | $17K | 5.00% |
| FRANK CRYSTAL & CO INC3 | 240 ROYAL PALM WAY PALM BEACH, FL 334804304 | BLUE CROSS BLUE SHIELD OF FLORIDA | $3K | — | $3K | 5.00% |
| CRYSTAL IBC LLC3 | 32 OLD SLIP NEW YORK, NY 10005 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $790 | $3K | 9.29% |
| MONTOYA AND ASSOCIATES LLC3 Filed as: MONTOYA & ASSOCIATES LLC | 236 PONTE VEDRA PARK DR PONTE VEDRA BEACH, FL 32082 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $579 | — | $579 | 2.04% |
| CRYSTAL IBC LLC3 | 32 OLD SLIP NEW YORK, NY 10005 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $801 | $3K | 12.06% |
| MONTOYA AND ASSOCIATES LLC3 Filed as: MONTOYA & ASSOCIATES LLC | 236 PONTE VEDRA PARK DR PONTE VEDRA BEACH, FL 32082 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $809 | — | $809 | 2.87% |
| CRYSTAL IBC LLC3 | 32 OLD SLIP NEW YORK, NY 10005 | THE LINCOLN FINANCIAL LIFE INSURANCE COMPANY | $2K | $691 | $2K | 9.73% |
| MONTOYA AND ASSOCIATES LLC3 Filed as: MONTOYA & ASSOCIATES LLC | 236 PONTE VEDRA PARK DR PONTE VEDRA BEACH, FL 32082 | THE LINCOLN FINANCIAL LIFE INSURANCE COMPANY | $543 | — | $543 | 2.23% |
| CRYSTAL IBC LLC3 | 32 OLD SLIP FINANCIAL SQUARE NEW YORK, NY 10005 | EYEMED | $632 | — | $632 | 5.67% |
| MONTOYA AND ASSOCIATES LLC3 Filed as: MONTOYA & ASSOCIATES | 4233 PABLO PROFESSIONAL CT STE 201 JACKSONVILLE, FL 32224 | EYEMED | $386 | — | $386 | 3.46% |
| MAXWELL HEALTH3 | 101 TREMONT ST FL 11 BOSTON, MA 02108 | EYEMED | $94 | — | $94 | 0.84% |
| CRYSTAL IBC LLC3 | 32 OLD SLIP NEW YORK, NY 10005 | THE LINCOLN LIFE NATIONAL INSURANCE COMPANY | $688 | $204 | $892 | 12.18% |
| MONTOYA AND ASSOCIATES LLC3 Filed as: MONTOYA & ASSOCIATES LLC | 236 PONTE VEDRA PARK DR PONTE VEDRA BEACH, FL 32082 | THE LINCOLN LIFE NATIONAL INSURANCE COMPANY | $410 | — | $410 | 5.60% |
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 | 114 | 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) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 95 | $897K |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 189 | $55K |
| Vision | EYEMED | 202 | $11K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 114 | $36K |
| Short-term disability | THE LINCOLN FINANCIAL LIFE INSURANCE COMPANY | 128 | $24K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 128 | $28K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 77 | $68K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 114 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 202 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.