| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CRYSTAL IBC LLC3 | 32 OLD SLIP NEW YORK, NY 10005 | AETNA LIFE INSURANCE COMPANY | $34K | $2K | $37K | 5.14% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER, SUITE 900 HOUSTON, TX 77056 | UNITED HEALTHCARE INSURANCE COMPANY | $1K | $8K | $10K | 3.55% |
| CRYSTAL IBC LLC3 | 32 OLD SLIP NEW YORK, NY 10005 | UNITED HEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 1.50% |
| CRYSTAL IBC LLC3 | 32 OLD SLIP NEW YORK, NY 10005 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $755 | $3K | 20.87% |
| CRYSTAL IBC LLC3 | 32 OLD SLIP NEW YORK, NY 10005 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $821 | $3K | 21.46% |
| CRYSTAL IBC LLC3 | 32 OLD SLIP NEW YORK, NY 10005 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $704 | $2K | 21.00% |
| CRYSTAL IBC LLC3 | 32 OLD SLIP NEW YORK, NY 10005 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $417 | $2K | 20.32% |
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 | 126 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 91 | $717K |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 253 | $276K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 253 | $276K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 109 | $24K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 29 | $8K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 41 | $13K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 91 | $717K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 109 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 253 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.