| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CRYSTAL IBC LLC3 Filed as: CRYSTAL IBC, LLC | 32 OLD SLIP NEW YORK, NY 10005 | BLUE CROSS BLUE SHIELD OF FLORIDA | $33K | $0 | $33K | 5.37% |
| CRYSTAL IBC LLC3 Filed as: CRYSTAL IBC, LLC | 32 OLD SLIP NEW YORK, NY 10005 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $4K | $11K | 14.79% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 2.49% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 200 SOUTH ORANGE AVENUE, SUITE 1350 ORLANDO, FL 32801 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $497 | $0 | $497 | 0.68% |
| CRYSTAL IBC LLC3 Filed as: CRYSTAL IBC, LLC | 32 OLD SLIP NEW YORK, NY 10005 | FLORIDA COMBINED LIFE | $4K | $0 | $4K | 9.08% |
| CRYSTAL IBC LLC3 | 32 OLD SLIP, 18TH FLOOR NEW YORK, NY 10005 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $11K | $2K | $13K | 33.84% |
| HELEN DIZ-HATTON3 | 4 PALMER LANE ENGLISHTOWN, NJ 07726 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $4K | $10K | 25.27% |
| MJ INSURANCE3 Filed as: RAUL CAIRO AND VARIOUS AGENTS | 2555 COLLINS AVENUE MIAMI BEACH, FL 33140 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $1K | $5K | 12.01% |
| YESENIA HENOHE OSORIO3 | 7712 JOHNNY MERCER BOULEVARD SAVANNAH, GA 31410 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $332 | $2K | 5.10% |
| YESENIA A SANCHEZ3 Filed as: YESENIA A. SANCHEZ | 1021 DELRIDGE AVENUE ORLANDO, FL 32804 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $98 | $2K | 4.48% |
| WILLIAM E GECEWICZ3 Filed as: WILLIAM E. GECEWICZ | 11113 LAKESIDE VISTA DRIVE RIVERVIEW, FL 33569 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $237 | $1K | 3.60% |
| BRYAN ANTHONY GONZALEZ3 | 8408 QUARTZ PLACE TAMPA, FL 33615 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $34 | $1K | 2.90% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 5664 PRAIRIE CREEK DRIVE SE CALEDONIA, MI 49316 | USABLE LIFE | $2K | $0 | $2K | 23.16% |
| ALLIANT INSURANCE SERVICES, INC.3 | 32 OLD SLIP NEW YORK, NY 10005 | ADVANTICA INSURANCE COMPANY | $893 | $0 | $893 | 9.95% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 200 SOUTH ORANGE AVENUE, SUITE 1350 ORLANDO, FL 32801 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $432 | $0 | $432 | 10.00% |
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 | 78 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 78 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 102 | $605K |
| Dental | FLORIDA COMBINED LIFE | 133 | $43K |
| Vision(2 contracts, 2 carriers) | ADVANTICA INSURANCE COMPANY | 183 | $13K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 10 | $73K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 10 | $73K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 10 | $73K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 102 | $605K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 96 | $123K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 183 | — |
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.