| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CRYSTAL IBC LLC3 Filed as: CRYSTAL AND COMPANY | 32 OLD SLIP NEW YORK, NY 10005 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | $109K | $117K | 3.87% |
| GABLES FINANCIAL GROUP INC3 Filed as: GABLES FINANCIAL GROUP, INC. | 800 BRICKNELL AVENUE, SUITE 1500 MIAMI, FL 33131 | UNITEDHEALTHCARE INSURANCE COMPANY | -$219 | — | -$219 | -0.01% |
| CRYSTAL IBC LLC3 Filed as: CRYSTAL AND COMPANY | 32 OLD SLIP NEW YORK, NY 10005 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | — | $7K | 12.69% |
| EILEEN SANCHEZ MEDINA3 | 6100 SW 44TH TERRACE MIAMI, FL 33155 | AFLAC | $4K | $152 | $4K | 8.41% |
| MARIA ORTIZ3 | 7400 SW 50TH TERRACE, SUITE 300 MIAMI, FL 33155 | AFLAC | $1K | $30 | $1K | 2.96% |
| SLR INSURANCE SOLUTIONS INC3 Filed as: SLR INSURANCE SOLUTIONS | 3779 PEARL AVENUE SAN JOSE, CA 95136 | AFLAC | $765 | — | $765 | 1.70% |
| MJ INSURANCE3 Filed as: WILLIAM SCHAUB AND VARIOUS AGENTS | 28 NORTH 1ST STREET, SUITE 700 SAN JOSE, CA 95113 | AFLAC | $602 | $65 | $667 | 1.48% |
| MARTA M SASTRE3 Filed as: MARTA SASTRE | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $583 | $30 | $613 | 1.36% |
| ROSARIO DOMINGUEZ-GIACOSA3 | 5520 SW 64TH AVENUE MIAMI, FL 33155 | AFLAC | $340 | — | $340 | 0.76% |
| KAREN ANN HABERKORN3 Filed as: KAREN HABERKORN | PO BOX 5328 LANCASTER, CA 93539 | AFLAC | $288 | — | $288 | 0.64% |
| MARIA ORTIZ3 | 7400 SW 50TH TERRACE, SUITE 300 MIAMI, FL 33155 | AFLAC | $293 | — | $293 | 2.44% |
| MJ INSURANCE3 Filed as: JIM KOKKORIS AND VARIOUS AGENTS | 2356 28TH STREET ASTORIA, NY 11105 | AFLAC | $267 | — | $267 | 2.23% |
| GROE INC3 Filed as: GROE, INC. | 532 ADAMS STREET HOBOKEN, NJ 07030 | AFLAC | $194 | — | $194 | 1.62% |
| LINDA STEELE3 | 266 EAST BROADWAY NEW YORK, NY 10002 | AFLAC | $137 | — | $137 | 1.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: KEVIN GALLAGHER | 173 GELSTON AVENUE APARTMENT 3D BROOKLYN, NY 11209 | AFLAC | $117 | — | $117 | 0.98% |
| MARTA M SASTRE3 Filed as: MARTA SASTRE | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $107 | — | $107 | 0.89% |
| CHRISTY DAY ASSOCIATES LLC3 Filed as: CHRISTY DAY ASSOCIATES, LLC | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $85 | — | $85 | 0.71% |
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 | 249 | 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) | 249 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 536 | $3.0M |
| Dental(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 536 | $3.0M |
| Vision(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 536 | $3.0M |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 242 | $56K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 242 | $56K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 242 | $56K |
| Prescription drug(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 536 | $3.0M |
| Other(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 242 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 536 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.