| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CRYSTAL IBC LLC3 Filed as: CRYSTAL AND COMPANY | 32 OLD SLIP NEW YORK, NY 10005 | DELTA DENTAL OF PENNSYLVANIA | $8K | — | $8K | 4.00% |
| CRYSTAL IBC LLC3 Filed as: CRYSTAL AND COMPANY | 32 OLD SLIP NEW YORK, NY 10005 | RELIANCE STANDARD LIFE INSURANCE | $16K | $8K | $24K | 14.83% |
| CRYSTAL IBC LLC3 Filed as: CRYSTAL AND COMPANY | 32 OLD SLIP NEW YORK, NY 10005 | VISION SERVICE PLAN | $1K | — | $1K | 4.33% |
| HICKORY CONSULTING GROUP, LLC3 Filed as: HICKORY CONSULTING GROUP | UNKNOWN MECHANICSBURG, PA 17005 | EMPLOYEE SERVICES, INC. | $556 | — | $556 | 5.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES | 1655 RICHMOND AVENUE NEW YORK, NY 10314 | HARTFORD LIFE AND ACCIDENT | — | $802 | $802 | 17.00% |
| CRYSTAL IBC LLC3 Filed as: CRYSTAL AND COMPANY | 32 OLD SLIP NEW YORK, NY 10005 | HARTFORD LIFE AND ACCIDENT | $708 | $59 | $767 | 16.25% |
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 | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 250 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 450 | $192K |
| Vision | VISION SERVICE PLAN | 209 | $24K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE | 503 | $160K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE | 503 | $160K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE | 503 | $160K |
| Other(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE | 503 | $175K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 503 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.