| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROWN RISK MANAGEMENT, LLC3 Filed as: MERIDIAN RISK MANAGEMENT | PO BOX 8419 PELHAM, NY 10803 | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 13.92% |
| CBIA SERVICE CORP.3 Filed as: CBIA SERVICE CORP | 350 CHURCH STREET HARTFORD, CT 06103 | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | — | $4K | $4K | 10.89% |
| CBIA SERVICE CORP.3 Filed as: CBIA SERVICE CORP | 350 CHURCH STREET HARTFORD, CT 06103 | AMERITAS | — | $2K | $2K | 10.60% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: MERIDIAN RISK MANAGEMENT | PO BOX 8419 PELHAM, NY 10803 | AMERITAS | $2K | — | $2K | 8.48% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: MERIDIAN RISK MANAGEMENT | PO BOX 8419 PELHAM, NY 10803 | UNITEDHEALTHCARE INSURANCE COMPANY | $333 | — | $333 | 10.60% |
| CBIA SERVICE CORP.3 | 350 CHURCH STREET HARTFORD, CT 06103 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $267 | $267 | 8.50% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: MERIDIAN RISK MANAGEMENT | PO BOX 8419 PELHAM, NY 10803 | ANTHEM HEALTH PLANS, INC. | $704 | $843 | $2K | 121.62% |
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 | 107 | 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) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS, INC. | 0 | $1K |
| Dental | AMERITAS | 31 | $21K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 26 | $3K |
| Life insurance | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | 107 | $33K |
| Short-term disability | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | 107 | $33K |
| Long-term disability | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | 107 | $33K |
| Other | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | 107 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 107 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.