| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CRYSTAL IBC LLC3 | 32 OLD SLIP NEW YORK, NY 10005 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $122K | $122K | 4.33% |
| BRYSON INSURANCE AGENCY INC.3 Filed as: BRYSON INSURANCE AGENCY, INC. | 3777 LONG BEACH BLVD SUITE 500 LONG BEACH, CA 90807 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $26K | $26K | 0.92% |
| CRYSTAL IBC LLC3 | 32 OLD SLIP NEW YORK, NY 100053557 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $3K | $3K | 0.10% |
| CRYSTAL & COMPANY3 | 32 OLD SLIP NEW YORK, NY 100053500 | KAISER FOUNDATION HEALTH PLAN INC. | $37K | $0 | $37K | 3.72% |
| BRYSON INSURANCE AGENCY INC.3 Filed as: BRYSON INSURANCE AGENCY, INC. | 3777 LONG BEACH BLVD SUITE 500 LONG BEACH, CA 908073351 | KAISER FOUNDATION HEALTH PLAN INC. | $12K | $0 | $12K | 1.24% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS, INC. | 233 S WACKER DR SUITE 1800 CHICAGO, IA 606066424 | KAISER FOUNDATION HEALTH PLAN INC. | $0 | $6K | $6K | 0.55% |
| CRYSTAL IBC LLC3 | 21 OLD SLIP NEW YORK, NY 10005 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $18K | $0 | $18K | 6.60% |
| RICHARD WAYNE BRYSON3 Filed as: RICHARD W. BRYSON INS. AGENCY INC. | 3777 LONG BEACH BLVD., 5TH FLOOR LONG BEACH, CA 908073325 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $9K | $0 | $9K | 3.23% |
| FRANK CRYSTAL & CO INC3 Filed as: FRANK CRYSTAL & CO. INC. | 32 OLD SLIP NEW YORK, NY 100053405 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $840 | $840 | 0.31% |
| CRYSTAL IBC LLC3 | 32 OLD SLIP FINANCIAL SQUARE NEW YORK, NY 10005 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | $3K | $24K | 9.40% |
| BRYSON INSURANCE AGENCY INC.3 | 3777 LONG BEACH BLVD FLOOR 5 LONG BEACH, CA 908073325 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $19 | $2K | 0.74% |
| CRYSTAL IBC LLC3 | 32 OLD SLIP FINANCIAL SQUARE NEW YORK, NC 100053500 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $293 | $3K | 16.14% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $929 | $929 | 4.42% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIL, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $774 | $16 | $790 | 3.76% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 787669201 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $774 | $774 | 3.69% |
| BRYSON INSURANCE AGENCY INC.3 Filed as: BRYSON INSURANCE AGENCY, INC. | 3777 LONG BEACH BLVD FLOOR 5 LONG BEACH, CA 908073325 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $19 | $19 | 0.09% |
| CRYSTAL IBC LLC3 | 32 OLD SLIP NEW YORK, NY 10005 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $863 | $0 | $863 | 7.02% |
| RICHARD WAYNE BRYSON3 Filed as: RICHARD W. BRYSON INS. AGENCY, INC. | 3777 LONG BEACH BLVD. 5TH FLOOR LONG BEACH, CA 908073325 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $367 | $0 | $367 | 2.98% |
| CRYSTAL IBC LLC3 | 32 OLD SLIP NEW YORK, NY 10005 | CIGNA DENTAL HEALTH OF KANSAS, INC. | $648 | $0 | $648 | 7.01% |
| RICHARD WAYNE BRYSON3 Filed as: RICHARD W. BRYSON INS. AGENCY INC. | 3777 LONG BEACH BLVD. 5TH FLOOR LONG BEACH, CA 908073325 | CIGNA DENTAL HEALTH OF KANSAS, INC. | $276 | $0 | $276 | 2.99% |
| CRYSTAL IBC LLC3 | 32 OLD SLIP NEW YORK, NY 10005 | CIGNA DENTAL HEALTH OF TEXAS, INC. | $48 | $0 | $48 | 7.00% |
| RICHARD WAYNE BRYSON3 Filed as: RICHARD W. BRYSON INS. AGENCY INC. | 3777 LONG BEACH BLVD., 5TH FLOOR LONG BEACH, CA 908073325 | CIGNA DENTAL HEALTH OF TEXAS, INC. | $20 | $0 | $20 | 2.92% |
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 | 1,213 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 764 | $3.8M |
| Dental(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 621 | $290K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,214 | $256K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,214 | $256K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,214 | $256K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,214 | $256K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC. | 162 | $1.0M |
| Other(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,214 | $277K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,214 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.