| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRANK CRYSTAL & CO INC3 Filed as: FRANK CRYSTAL & CO, INC. | 32 OLD SLIP FINANCIAL SQUARE NEW YORK, NY 10005 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $56K | — | $56K | 9.88% |
| CRYSTAL IBC LLC3 | 32 OLD SLIP NEW YORK, NY 10005 | SUN LIFE ASSURANCE COMPANY OF CANADA | $27K | — | $27K | 10.45% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | 1450 BRICKELL AVE MIAMI, FL 33131 | SUN LIFE ASSURANCE COMPANY OF CANADA | $192 | — | $192 | 0.07% |
| KENNY BAKER3 | 5442 MCCULLOUCH CIR HOUSTON, TX 77056 | ALLSTATE - AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 9.67% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | 29848 NETWORK PLACE CHICAGO, IL 60673 | ALLSTATE - AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 3.95% |
| PROFESSIONAL ENROLLMENT CONCEPTS3 Filed as: PROFESSIONAL ENROLLMENT CONCEPTS IN | 6200 SAVOY STE 345 HOUSTON, TX 77036 | ALLSTATE - AMERICAN HERITAGE LIFE INSURANCE COMPANY | $232 | — | $232 | 0.42% |
| CRYSTAL IBC LLC3 | 32 OLD SLIP FINANCIAL SQUARE NEW YORK, NY 10005 | ALLSTATE - AMERICAN HERITAGE LIFE INSURANCE COMPANY | $118 | — | $118 | 0.21% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVE #1200 DALLAS, TX 75201 | ALLSTATE - AMERICAN HERITAGE LIFE INSURANCE COMPANY | $114 | — | $114 | 0.21% |
| ALLEN COMMODORE BAKER3 | 6200 SAVOY DR SUITE 345 HOUSTON, TX 77036 | ALLSTATE - AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13 | — | $13 | 0.02% |
| BRANDON PENKO3 | 4927 MAGNOLIA BEND DR ROSHARON, TX 77583 | ALLSTATE - AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9 | — | $9 | 0.02% |
| ROSEMARY CHOI3 | 5442 MCCULLOCH CIR HOUSTON, TX 77056 | ALLSTATE - AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | — | $8 | 0.01% |
| DALLAS MORENO3 | 6200 SAVOY DR SUITE 345 HOUSTON, TX 77036 | ALLSTATE - AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| ALLISON A WISE3 | 7142 LAGUNA VILLAS HOUSTON, TX 77036 | ALLSTATE - AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC - DALLAS | DEPT 3042 PO BOX 123042 DALLAS, TX 75312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 6.47% |
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 | 755 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 765 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 693 | $569K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 693 | $569K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 413 | $263K |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 413 | $318K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 413 | $263K |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 413 | $353K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 693 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.