The statement was correct, they are just narrowing down the data to get certain benefit program. This is a huge time keeping database, they store data in generic pre-existing fields, EMP_VAL2 etc. I thought it had something to do with the cross-tab.
I just ran into another issue in crystal version 2008 where when the cross-tab was in the Report Footer area, when I executed the crystal, it gave me an error "not supported". When I moved the cross-tab into Report Header a, it worked.
The first report is ver. 9 and the cross-tab is in the Report Footer.