| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | CIGNA | — | $43K | $43K | 1.45% |
| CRYSTAL & COMPANY3 | 32 OLD SLIP NEW YORK, NY 10005 | CIGNA | — | $25K | $25K | 0.85% |
| KELLER BENEFIT SERVICES, INC.3 | 7316 WISCONSIN AVE. SUITE 400 BETHESDA, MD 20814 | CIGNA | — | -$244 | -$244 | -0.01% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | DELTA DENTAL OF VIRGINIA | $9K | — | $9K | 3.72% |
| CRYSTAL IBC LLC3 Filed as: CRYSTAL IBC, LLC | 32 OLD SLIP NEW YORK, NY 10005 | DELTA DENTAL OF VIRGINIA | $3K | — | $3K | 1.27% |
| CRYSTAL IBC LLC3 | 32 OLD SLIP NEW YORK, NY 10005 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $17K | $5K | $22K | 25.16% |
| CRYSTAL IBC LLC3 | 32 OLD SLIP NEW YORK, NY 10005 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | $4K | $19K | 25.26% |
| CRYSTAL IBC LLC3 | 32 OLD SLIP NEW YORK, NY 10005 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | $4K | $19K | 25.73% |
| CRYSTAL IBC LLC3 | 32 OLD SLIP NEW YORK, NY 10005 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $2K | $9K | 25.62% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 32 OLD SLIP NEW YORK, NY 10005 | ADVANTICA INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 32 OLD SLIP FINANCIAL SQUARE NEW YORK, NY 10005 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $954 | — | $954 | 10.00% |
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 | 310 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 322 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA | 319 | $3.0M |
| Dental | DELTA DENTAL OF VIRGINIA | 668 | $252K |
| Vision(2 contracts, 2 carriers) | ADVANTICA INSURANCE COMPANY | 597 | $38K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 346 | $33K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 345 | $73K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 346 | $87K |
| Prescription drug | CIGNA | 319 | $3.0M |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 346 | $108K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 668 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.