| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROWN RISK MANAGEMENT, LLC3 Filed as: MERIDIAN RISK MANAGEMENT | ONE WOLFS LANE PELHAM, NY 10803 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 14.63% |
| AMWINS3 Filed as: AMWINS GROUP BENEFITS INC. | 2 ENTERPRISE DRIVE - SUITE 204 SHELTON, CT 06484 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $3K | $3K | 5.00% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: MERIDIAN RISK MANAGEMENT | ONE WOLFS LANE PELHAM, NY 10803 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 14.26% |
| AMWINS3 Filed as: AMWINS GROUP BENEFITS, INC. | 2 ENTERPRISE DRIVE - SUITE 204 SHELTON, CT 06484 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$211 | $2K | $2K | 5.00% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: MERIDIAN RISK MANAGEMENT | ONE WOLFS LANE PELHAM, NY 10803 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 14.37% |
| AMWINS3 Filed as: AMWINS GROUP BENEFITS INC. | 2 ENTERPRISE DRIVE - SUITE 204 SHELTON, CT 06484 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$71 | $2K | $2K | 5.00% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: MERIDIAN RISK MANAGEMENT | ONE WOLFS LANE PELHAM, NY 10803 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $233 | — | $233 | — |
| AMWINS3 Filed as: AMWINS GROUP BENEFITS INC. | 2 ENTERPRISE DRIVE - SUITE 204 SHELTON, CT 06484 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$1K | $1K | -$162 | — |
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 | 224 | 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) | 224 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 224 | $40K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 222 | $53K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 114 | $37K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 88 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 224 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.