| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROWN RISK MANAGEMENT, LLC3 | 432 N. FRANKLIN ST. STE 20 SYRACUSE, NY 13204 | UNITED HEALTHCARE INSURANCE COMPANY | $132K | $5K | $137K | 4.12% |
| CROWN RISK MANAGEMENT, LLC3 | 432 NORTH FRANKLIN STREET, SUITE 20 SYRACUSE, NY 13204 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | — | $8K | 7.87% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35, SUITE 368 WALL, NJ 07719 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 5.00% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF NEW YORK, INC. | 500 PLUM STREET, SUITE 200 SYRACUSE, NY 13204 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 2.13% |
| CROWN RISK MANAGEMENT, LLC3 | 432 NORTH FRANKLIN STREET, SUITE 20 SYRACUSE, NV 13204 | FIRST RELIANCE STANDARD | $7K | — | $7K | 7.67% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35, SUITE 368 WALL, NJ 07719 | FIRST RELIANCE STANDARD | $5K | — | $5K | 5.00% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF NEW YORK, INC. | 500 PLUM STREET, SUITE 200 SYRACUSE, NY 13204 | FIRST RELIANCE STANDARD | $2K | — | $2K | 2.33% |
| CROWN RISK MANAGEMENT, LLC3 | 432 NORTH FRANKLIN STREET, SUITE 20 SYRACUSE, NY 13204 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 5.06% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35, SUITE 368 WALL, NJ 07719 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 5.00% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF NEW YORK, INC. | 500 PLUM STREET, SUITE 200 SYRACUSE, NY 13204 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $871 | — | $871 | 1.45% |
| CROWN RISK MANAGEMENT, LLC3 | 432 NORTH FRANKLIN STREET, SUITE 20 SYRACUSE, NY 13204 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 7.86% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35, SUITE 368 WALL, NJ 07719 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF NY, INC. | 500 PLUM STREET, SUITE 200 SYRACUSE, NY 13204 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $793 | — | $793 | 2.14% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SVCS INC - EMPIRE | 500 PLUM STREET, SUITE 200 SYRACUSE, NY 13204 | EYEMED VISION CARE | $2K | — | $2K | 10.88% |
| BROWN & BROWN INSURANCE SERVICES3 | 500 PLUM STREET STE 200 SYRACUSE, NY 13204 | STANDARD LIFE INS CO OF NY | $2K | — | $2K | 23.27% |
| CROWN RISK MANAGEMENT, LLC3 | 432 N. FRANKLIN STREET STE 20 SYRACUSE, NY 13204 | STANDARD LIFE INS CO OF NY | $379 | — | $379 | 4.66% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF NEW YORK, INC. | 500 PLUM ST., STE 200 SYRACUSE, NY 13204 | STANDARD LIFE INS CO OF NY | $288 | — | $288 | 3.54% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF NEW YORK, INC. | 595 STEWART AVE., STE 700 GARDEN CITY, NY 11530 | STANDARD LIFE INS CO OF NY | — | $59 | $59 | 0.72% |
| CROWN RISK MANAGEMENT, LLC3 | 432 NORTH FRANKLIN STREET, SUITE 20 SYRACUSE, NV 13204 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $152 | — | $152 | 7.64% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35, SUITE 368 WALL, NJ 07719 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $100 | — | $100 | 5.03% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF NEW YORK, INC. | 500 PLUM STREET, SUITE 200 SYRACUSE, NY 13204 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $46 | — | $46 | 2.31% |
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 | 220 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 222 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 157 | $3.3M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 157 | $3.3M |
| Vision | EYEMED VISION CARE | 341 | $21K |
| Life insurance | FIRST RELIANCE STANDARD | 220 | $93K |
| Short-term disability(2 contracts) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 310 | $167K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 219 | $37K |
| Other(2 contracts, 2 carriers) | FIRST RELIANCE STANDARD | 220 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 341 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.