| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRANK CRYSTAL & CO INC3 Filed as: FRANK CRYSTAL & CO, INC. | 32 OLD SLIP NEW YORK, NY 10005 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $53K | — | $53K | 9.88% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC | 32 OLD SLIP NEW YORK, NY 10005 | SUN LIFE ASSURANCE COMPANY OF CANADA | $21K | — | $21K | 7.29% |
| CRYSTAL IBC LLC3 | 32 OLD SLIP NEW YORK, NY 10005 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | $5K | $14K | 4.94% |
| KENNY BAKER3 | 5358 TILBURY DRIVE HOUSTON, TX 77056 | ALLSTATE - AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 6.74% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 29848 NETWORK PLACE CHICAGO, IL 60673 | ALLSTATE - AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 2.80% |
| PROFESSIONAL ENROLLMENT CONCEPTS3 Filed as: PROFESSIONAL ENROLLMENT CONCEPTS IN | 6200 SAVOY DRIVE STE 345 HOUSTON, TX 77036 | ALLSTATE - AMERICAN HERITAGE LIFE INSURANCE COMPANY | $164 | — | $164 | 0.32% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVE #1200 DALLAS, TX 75201 | ALLSTATE - AMERICAN HERITAGE LIFE INSURANCE COMPANY | $77 | — | $77 | 0.15% |
| CRYSTAL IBC LLC3 | 32 OLD SLIP FINANCIAL SQUARE NEW YORK, NY 10005 | ALLSTATE - AMERICAN HERITAGE LIFE INSURANCE COMPANY | $41 | — | $41 | 0.08% |
| BRANDON PENKO3 | 4927 MAGNOLIA BEND DR ROSHARON, TX 77583 | ALLSTATE - AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| ROSEMARY CHOI3 | 5442 MCCULLOCH CIR HOUSTON, TX 77056 | ALLSTATE - AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| ALLEN COMMODORE BAKER3 | 6200 SAVOY DR SUITE 345 HOUSTON, TX 77036 | ALLSTATE - AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| 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% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC | 32 OLD SLIP NEW YORK, NY 10005 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 25.44% |
| CRYSTAL IBC LLC3 | 32 OLD SLIP FINANCIAL SQUARE NEW YORK, NY 10005 | ALLSTATE - AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 13.00% |
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 | 749 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 757 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 692 | $540K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 692 | $540K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 435 | $287K |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 435 | $338K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 435 | $287K |
| Other(4 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 435 | $376K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 692 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.