What does the cryptic crossword clue "Crumbling older reef hosting a parasite (10)" mean?

This cryptic clue uses wordplay to arrive at the answer. Visit the page for progressive hints — definition, wordplay type, and a full step-by-step explanation.

Crumbling older reef hosting a parasite (10)

Telegraph Prize Cryptic #3127 | 9 Across | 2021-09-26 flower

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