| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CRYSTAL IBC LLC3 Filed as: CRYSTAL AND COMPANY | 32 OLD SLIP NEW YORK, NY 10005 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $12K | $12K | 1.44% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | 897 12TH STREET HAMMONTON, NJ 08037 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $1K | — | $1K | 5.04% |
| AHA FINANCIAL SOLUTIONS, INC.3 | 155 NORTH WACKER DRIVE, SUITE 400 CHICAGO, IL 60606 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $1K | — | $1K | 4.17% |
| JOANN PANTALONE3 | PO BOX 1116 HAMMONTON, NJ 08037 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $208 | — | $208 | 0.87% |
| CONNER STRONG & BUCKELEW3 Filed as: CONNER STRONG COMPANIES | PO BOX 989 MARLTON, NJ 08053 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $28 | — | $28 | 0.12% |
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 | 2,709 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 65 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,792 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 7,911 | $1.9M |
| Vision | EYEMED | 1,972 | $65K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,814 | $859K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,814 | $834K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,814 | $834K |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 4,288 | $853K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,911 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.