| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CRYSTAL IBC LLC3 Filed as: CRYSTAL AND COMPANY | 2000 WEST LOOP SOUTH, SUITE 1800 HOUSTON, TX 77027 | BLUECROSS BLUESHIELD OF TEXAS | $80K | $95 | $80K | 1.78% |
| COLLINS BENEFITS SOLUTIONS, INC.3 | 8014 OCEANSIDE DRIVE HOUSTON, TX 77095 | BLUECROSS BLUESHIELD OF TEXAS | $53K | $63 | $53K | 1.19% |
| CRYSTAL IBC LLC3 Filed as: CRYSTAL AND COMPANY | 2000 WEST LOOP SOUTH, SUITE 2150 HOUSTON, TX 77027 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | — | $18K | 5.11% |
| COLLINS BENEFITS SOLUTIONS, INC.3 Filed as: COLLINS BENEFIT SOLUTIONS, INC. | 8014 OCEANSIDE DRIVE HOUSTON, TX 77095 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | — | $17K | 4.69% |
| MARK METTILLE3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $6K | $13K | 3.70% |
| COLLINS BENEFITS SOLUTIONS, INC.3 | 8014 OCEANSIDE DRIVE HOUSTON, TX 77095 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | — | $17K | 7.66% |
| CRYSTAL IBC LLC3 Filed as: CRYSTAL AND COMPANY | 32 OLD SLIP NEW YORK, NY 10005 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 6.01% |
| COLLINS BENEFITS SOLUTIONS, INC.3 | 8014 OCEANSIDE DRIVE HOUSTON, TX 77095 | EYEMED VISION CARE | $2K | — | $2K | 5.59% |
| CRYSTAL IBC LLC3 Filed as: CRYSTAL AND COMPANY | PO BOX 27733 HOUSTON, TX 77227 | EYEMED VISION CARE | $2K | — | $2K | 4.98% |
| MARK METTILLE3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | $828 | $400 | $1K | 7.40% |
| CRYSTAL IBC LLC3 Filed as: CRYSTAL AND COMPANY | 2000 WEST LOOP SOUTH, SUITE 2150 HOUSTON, TX 77027 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | $868 | — | $868 | 5.23% |
| COLLINS BENEFITS SOLUTIONS, INC.3 Filed as: COLLINS BENEFIT SOLUTIONS INC | 8014 OCEANSIDE DRIVE HOUSTON, TX 77095 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | $787 | — | $787 | 4.74% |
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 | 479 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 482 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 1,012 | $4.5M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 873 | $371K |
| Vision | EYEMED VISION CARE | 973 | $38K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 532 | $227K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 532 | $227K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 532 | $227K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 1,012 | $4.5M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 532 | $227K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,012 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.