| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CRYSTAL IBC LLC3 Filed as: CRYSTAL AND COMPANY | 2000 WEST LOOP SOUTH, SUITE 2150 HOUSTON, TX 77027 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $26K | — | $26K | 15.00% |
| CRYSTAL IBC LLC3 Filed as: CRYSTAL AND COMPANY | 32 OLD SLIP NEW YORK, NY 10005 | UNITED CONCORDIA INSURANCE COMPANY | $12K | — | $12K | 8.92% |
| CRYSTAL IBC LLC3 Filed as: CRYSTAL AND COMPANY | 2000 WEST LOOP SOUTH , SUITE 2150 HOUSTON, TX 77027 | UNITED CONCORDIA INSURANCE COMPANY | $4K | — | $4K | 2.73% |
| CRYSTAL IBC LLC3 Filed as: CRYSTAL AND COMPANY | 32 OLD SLIP NEW YORK, NY 10005 | EYEMED VISION CARE | $909 | — | $909 | 5.60% |
| CRYSTAL IBC LLC3 Filed as: CRYSTAL AND COMPANY | PO BOX 27733 HOUSTON, TX 77227 | EYEMED VISION CARE | $596 | — | $596 | 3.67% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $285 | — | $285 | 20.00% |
| CRYSTAL IBC LLC3 Filed as: CRYSTAL AND COMPANY | 2000 WEST LOOP SOUTH HOUSTON, TX 77027 | FEDERAL INSURANCE COMPANY | $214 | — | $214 | 15.02% |
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 | 140 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 31 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 378 | $138K |
| Vision | EYEMED VISION CARE | 195 | $16K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 140 | $175K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 140 | $175K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 140 | $175K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 140 | $177K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 378 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.