| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CRYSTAL IBC LLC3 | 32 OLD SLIP 17TH FLOOR NEW YORK, NE 10005 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 3.88% |
| CRYSTAL IBC LLC3 | 32 OLD SLIP 17TH FLOOR NEW YORK, NY 10005 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 3.24% |
| CRYSTAL IBC LLC3 | 32 OLD SLIP NEW YORK, NY 10005 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 4.12% |
| CRYSTAL IBC LLC3 Filed as: CRYSTAL AND COMPANY | 32 OLD SLIP 17TH FLOOR NEW YORK, NY 10005 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $1K | $1K | 3.70% |
| CRYSTAL IBC LLC3 | 32 OLD SLIP 17TH FLOOR NEW YORK, NY 10005 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $149 | $149 | 3.67% |
| CRYSTAL IBC LLC3 | 32 OLD SLIP 17TH FLOOR NEW YORK, NY 10005 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $68 | $68 | 3.62% |
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 | 1,016 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,019 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 1,040 | $0 |
| Vision | EYEMED VISION CARE | 302 | $0 |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 954 | $86K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 161 | $45K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 153 | $62K |
| Other(3 contracts, 2 carriers) | CAREBRIDGE CORPORATION | 1,011 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,040 | — |
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.