| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CRYSTAL IBC LLC3 | 32 OLD SLIP NEW YORK, NY 10005 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $111K | — | $111K | 20.26% |
| UNKNOWN3 | UNKNOWN SYRACUSE, NY 13204 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $23K | $23K | 4.27% |
| CRS BENEFIT CONSULTANTS, INC.3 Filed as: CRS BENEFIT CONSULTANTS | 5646 CORPORATE WAY WEST PALM BEACH, FL 33407 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $31 | — | $31 | 0.01% |
| ONEGROUP NY INC3 Filed as: ONEGROUP NY INC. | 706 NORTH CLINTON STREET SYRACUSE, NY 13204 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $31 | — | $31 | 0.01% |
| CRYSTAL IBC LLC3 | 32 OLD SLIP NEW YORK, NY 10005 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $8K | — | $8K | 6.86% |
| DONALD E BURNS3 Filed as: DONALD E. BURNS | 504 MAPLE DRIVE FAYETTEVILLE, NY 13066 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 10.32% |
| CRYSTAL IBC LLC3 | 32 OLD SLIP FINANCIAL SQUARE NEW YORK, NY 10005 | EYEMED VISION CARE | $1K | — | $1K | 5.90% |
| ONEGROUP NY INC3 Filed as: ONEGROUP | 706 N. CLINTON STREET SYRACUSE, NY 13204 | EYEMED VISION CARE | $237 | — | $237 | 1.15% |
| CRS BENEFIT CONSULTANTS, INC.3 | 5646 CORPRATE WAY WEST PALM BEACH, FL 33407 | EYEMED VISION CARE | $237 | — | $237 | 1.15% |
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 | 246 | 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) | 248 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 306 | $546K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 246 | $116K |
| Vision | EYEMED VISION CARE | 302 | $21K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 279 | $91K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 279 | $91K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 306 | $546K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 279 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 306 | — |
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.