| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CRYSTAL IBC LLC3 | 32 OLD SLIP FLOOR 17 NEW YORK, NY 10005 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $117K | — | $117K | 7.48% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS, INC | 233 S WACKER DR CHICAGO, IL 60606 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $122 | — | $122 | 0.01% |
| CRYSTAL IBC LLC3 | 32 OLD SLIP FLOOR 17 NEW YORK, NY 10005 | KAISER FOUNDATION HEALTH PLAN INC. | $50K | — | $50K | 4.60% |
| CRYSTAL IBC LLC3 | 32 OLD SLIP FLOOR 17 NEW YORK, NY 10005 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $2K | $16K | 13.07% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC | 233 S WACKER DR STE 2000 CHICAGO, IL 60606 | METROPOLITAN LIFE INSURANCE COMPANY | — | -$4 | -$4 | -0.00% |
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 | 970 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 977 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 911 | $2.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 911 | $1.6M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,024 | $123K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,024 | $123K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,024 | $123K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,024 | $123K |
| Prescription drug(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 911 | $2.6M |
| Other(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,024 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,024 | — |
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.