| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROWN RISK MANAGEMENT, LLC3 Filed as: CROWN RISK MANAGEMENT | 432 NORTH FRANKLIN STREET STE 20 SYRACUSE, NY 13204 | EXCELLUS BLUE CROSS BLUE SHIELD | $97K | — | $97K | 4.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN EMPIRE STATE | 500 PLUM STREET SUITE 200 SYRACUSE, NY 13204 | EXCELLUS BLUE CROSS BLUE SHIELD | $9K | — | $9K | 0.39% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: CROWN RISK MANAGEMENT | 432 NORTH FRANKLIN STREET SUITE 20 SYRACUSE, NY 13204 | EXCELLUS BLUE CROSS BLUE SHIELD | $8K | — | $8K | 6.16% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN EMPIRE STATE | 500 PLUM STREET SUITE 200 SYRACUSE, NY 13204 | EXCELLUS BLUE CROSS BLUE SHIELD | $1K | — | $1K | 0.99% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: CROWN RISK MANAGEMENT LLC | 432 NORTH FRANKLIN STREET SUITE 20 SYRACUSE, NY 13204 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| 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% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: CROWN RISK MANAGEMENT LLC | 432 NORTH FRANKLIN ST STE 20 SYRACUSE, NY 13204 | FIRST RELIANCE STANDARD LIFE INSURANCE CO | $5K | — | $5K | 10.00% |
| 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 CO | $3K | — | $3K | 5.00% |
| CROWN RISK MANAGEMENT, LLC3 | 432 N. FRANKLIN ST, SUITE 20 SYRACUSE, NY 13204 | EYE MED | $2K | — | $2K | 9.94% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: CROWN RISK MANAGEMENT LLC | 432 NORTH FRANKLIN STREET STE 20 SYRACUSE, NY 13204 | FIRST RELIANCE STANDARD LIFE INSURANCE CO | $2K | — | $2K | 10.00% |
| 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 CO | $861 | — | $861 | 5.00% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: CROWN RISK MANAGEMENT LLC | 432 N FRANKLIN ST #20 SYRACUSE, NY 13204 | STANDARD OF NEW YORK | $931 | — | $931 | 8.78% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: CROWN RISK MANAGEMENT LLC | 432 NORTH FRANKLIN STREET SUITE 20 SYRACUSE, NY 13204 | FIRST RELIANCE STANDARD LIFE INSURANCE CO | $948 | — | $948 | 10.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | FIRST RELIANCE STANDARD LIFE INSURANCE CO | $474 | — | $474 | 5.00% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: CROWN RISK MANAGEMENT LLC | 432 NORTH FRANKLIN STREET SUITE 20 SYRACUSE, NY 13204 | FIRST RELIANCE STANDARD LIFE INSURANCE CO | $118 | — | $118 | 10.03% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES LLC | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | FIRST RELIANCE STANDARD LIFE INSURANCE CO | $59 | — | $59 | 5.02% |
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 | 195 | 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) | 195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 167 | $2.4M |
| Dental | EXCELLUS BLUE CROSS BLUE SHIELD | 147 | $128K |
| Vision | EYE MED | 312 | $19K |
| Life insurance(2 contracts) | FIRST RELIANCE STANDARD LIFE INSURANCE CO | 195 | $61K |
| Short-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 195 | $55K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE CO | 195 | $17K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 167 | $2.4M |
| Other(4 contracts, 2 carriers) | FIRST RELIANCE STANDARD LIFE INSURANCE CO | 195 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 312 | — |
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."
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.