| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRANK CRYSTAL & CO INC3 Filed as: FRANK CRYSTAL & CO., INC. | FINANCIAL SQUARE 32 OLD SLIP 17TH FLOOR NEW YORK, NY 10005 | OXFORD HEALTH INSURANCE, INC. | $23K | — | $23K | 3.33% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP LLC | 14300 N. NORTHSIGHT BLVD #221 SCOTTSDALE, AZ 85260 | OXFORD HEALTH INSURANCE, INC. | $5K | — | $5K | 0.69% |
| FRANK CRYSTAL & CO INC3 Filed as: FRANK CRYSTAL & CO, INC. | FINANCIAL SQUARE 32 OLD STRIP NEW YORK, NY 10005 | DELTA DENTAL OF ARIZONA | $6K | — | $6K | 3.03% |
| SCOTT WOOD3 | BENEFIT COMMERCE GROUP STE 221 SCOTTSDALE, AZ 852600000 | DELTA DENTAL OF ARIZONA | $2K | — | $2K | 0.97% |
| CRYSTAL & COMPANY3 | FINANCIAL SQUARE 32 OLD SLIP NEW YORK, NY 10005 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 8.06% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP LLC | 14300 N NORTHSIGHT BLVD STE 221 SCOTTSDALE, AZ 85260 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 2.44% |
| CRYSTAL & COMPANY3 | FINANCIAL SQUARE 32 OLD SLIP NEW YORK, NY 10005 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 11.54% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP LLC | 14300 N NORTHSIGHT BLVD STE 221 SCOTTSDALE, AZ 85260 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $936 | — | $936 | 3.46% |
| FRANK CRYSTAL & CO INC3 Filed as: FRANK CRYSTAL & CO, INC. | FINANCIAL SQUARE 32 OLD STRIP NEW YORK, NY 10005 | DELTA DENTAL OF ARIZONA | $2K | — | $2K | 7.55% |
| SCOTT WOOD3 | BENEFIT COMMERCE GROUP STE 221 SCOTTSDALE, AZ 85260 | DELTA DENTAL OF ARIZONA | $578 | — | $578 | 2.45% |
| CRYSTAL & COMPANY3 | FINANCIAL SQUARE 32 OLD SLIP NEW YORK, NY 10005 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 11.68% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP LLC | 14300 N NORTHSIGHT BLVD STE 221 SCOTTSDALE, AZ 85260 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $693 | — | $693 | 3.32% |
| CRYSTAL & COMPANY3 | FINANCIAL SQUARE 32 OLD SLIP NEW YORK, NY 10005 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $445 | — | $445 | 8.05% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP LLC | 14300 N NORTHSIGHT BLVD STE 221 SCOTTSDALE, AZ 85260 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $135 | — | $135 | 2.44% |
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 | 158 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | OXFORD HEALTH INSURANCE, INC. | 125 | $1.0M |
| Dental | DELTA DENTAL OF ARIZONA | 153 | $183K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS & BLUE SHIELD OF ARIZONA | 159 | $328K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 166 | $79K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 166 | $21K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 166 | $27K |
| Prescription drug | BLUE CROSS & BLUE SHIELD OF ARIZONA | 125 | $304K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS & BLUE SHIELD OF ARIZONA | 125 | $304K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 166 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 166 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.