| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROWN RISK MANAGEMENT, LLC3 Filed as: MERIDIAN RISK MANAGEMENT | ONE WOLFS LANE PELHAM, NY 10803 | HPHC INSURANCE COMPANY | $7K | — | $7K | 6.46% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: MERIDIAN RISK MANAGEMENT | ONE WOLFS LANE PELHAM, NY 10803 | HPHC INSURANCE COMPANY | $6K | — | $6K | 6.85% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | PO BOX 1788 GRAND RAPIDS, MI 49501 | HPHC INSURANCE COMPANY | $44 | — | $44 | 0.05% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: MERIDIAN RISK MANAGEMENT | ONE WOLFS LANE PELHAM, NY 10803 | HPHC INSURANCE COMPANY | $4K | — | $4K | 7.61% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: MERIDIAN RISK MANAGEMENT | ONE WOLFS LANE PELHAM, NY 10803 | HPHC INSURANCE COMPANY | $3K | — | $3K | 6.67% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | PO BOX 1788 GRAND RAPIDS, MI 49501 | HPHC INSURANCE COMPANY | $19 | — | $19 | 0.05% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: MERIDIAN RISK MANAGEMENT | ONE WOLFS LANE PELHAM, NY 10803 | HPHC INSURANCE COMPANY | $2K | — | $2K | 6.49% |
| CBIA SERVICE CORP.3 Filed as: CBIA SERVICE CORP | 350 CHURCH STREET HARTFORD, CT 06103 | CBIA/AMERITAS | — | $2K | $2K | 9.53% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: MERIDIAN RISK MANAGEMENT | ONE WOLFS LANE PELHAM, NY 10803 | CBIA/AMERITAS | $2K | — | $2K | 9.43% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | PO BOX 1788 GRAND RAPIDS, MI 49501 | CBIA/AMERITAS | $18 | — | $18 | 0.08% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: MERIDIAN RISK MANAGEMENT | ONE WOLFS LANE PELHAM, NY 10803 | HPHC INSURANCE COMPANY | $1K | — | $1K | 6.61% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | PO BOX 1788 GRAND RAPIDS, MI 49501 | HPHC INSURANCE COMPANY | $10 | — | $10 | 0.05% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: MERIDIAN RISK MANAGEMENT | ONE WOLFS LANE PELHAM, NY 10803 | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 16.15% |
| CBIA SERVICE CORP.3 Filed as: CBIA SERVICE CORR | 350 CHURCH STREET HARTFORD, CT 06103 | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | — | $2K | $2K | 13.53% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | PO BOX 1788 GRAND RAPIDS, MI 49501 | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.04% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: MERIDIAN RISK MANAGEMENT | ONE WOLFS LANE PELHAM, NY 10803 | HPHC INSURANCE COMPANY | $564 | — | $564 | 4.84% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: MERIDIAN RISK MANAGEMENT | ONE WOLFS LANE PELHAM, NY 10803 | HPHC INSURANCE COMPANY | $234 | — | $234 | 6.83% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | PO BOX 1788 GRAND RAPIDS, MI 49501 | HPHC INSURANCE COMPANY | $2 | — | $2 | 0.06% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: MERIDIAN RISK MANAGEMENT | ONE WOLFS LANE PELHAM, NY 10803 | HPHC INSURANCE COMPANY | -$9 | — | -$9 | -0.32% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: MERIDIAN RISK MANAGEMENT | ONE WOLFS LANE PELHAM, NY 10803 | OXFORD HEALTH PLANS | $327 | — | $327 | 12.04% |
| CBIA SERVICE CORP.3 | 350 CHURCH STREET HARTFORD, CT 06103 | OXFORD HEALTH PLANS | — | $264 | $264 | 9.72% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | PO BOX 1788 GRAND RAPIDS, MI 49501 | OXFORD HEALTH PLANS | $3 | — | $3 | 0.11% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: MERIDIAN RISK MANAGEMENT | ONE WOLFS LANE PELHAM, NY 10803 | HPHC INSURANCE COMPANY | $185 | — | $185 | 14.30% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: MERIDIAN RISK MANAGEMENT | ONE WOLFS LANE PELHAM, NY 10803 | HPHC INSURANCE COMPANY | -$34 | — | -$34 | -6.30% |
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 | 148 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(11 contracts) | HPHC INSURANCE COMPANY | 46 | $362K |
| Dental | CBIA/AMERITAS | 39 | $22K |
| Vision | OXFORD HEALTH PLANS | 41 | $3K |
| Life insurance | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | 143 | $16K |
| Short-term disability | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | 143 | $16K |
| Long-term disability | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | 143 | $16K |
| Prescription drug(11 contracts) | HPHC INSURANCE COMPANY | 46 | $362K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 143 | — |
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.