| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROWN RISK MANAGEMENT, LLC3 Filed as: MERIDIAN RISK MANAGEMENT INC. | ONE WOLFS LANE PELHAM, NY 10803 | AETNA LIFE INSURANCE COMPANY | $86K | — | $86K | 3.51% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: MERIDIAN RISK MANAGEMENT | ONE WOLFS LANE WESTCHESTER, NY 10803 | VISION BENEFITS OF AMERICA | $1K | — | $1K | 8.00% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: MERIDIAN RISK MANAGEMENT, INC. | PO BOX 8419 PELHAM, NY 10803 | COMPANION LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: MERIDIAN RISK MANAGEMENT INC | PO BOX 8419 PELHAM, NY 10803 | MUTUAL OF OMAHA INSURANCE COMPANY | $913 | — | $913 | 10.00% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: MERIDIAN RISK MANAGEMENT, INC. | PO BOX 8419 PELHAM, NY 10803 | MUTUAL OF OMAHA INSURANCE COMPANY | $755 | — | $755 | 10.01% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: MERIDIAN RISK MANAGEMENT INC. | PO BOX 8419 PELHAM, NY 10803 | MUTUAL OF OMAHA INSURANCE COMPANY | $691 | — | $691 | 10.00% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: MERIDIAN RISK MANAGEMENT INC. | PO BOX 8419 PELHAM, NY 10803 | COMPANION LIFE INSURANCE COMPANY | $678 | — | $678 | 10.00% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: MERIDIAN RISK MANAGEMENT INC. | PO BOX 8419 PELHAM, NY 10803 | MUTUAL OF OMAHA INSURANCE COMPANY | $152 | — | $152 | 10.02% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: MERIDIAN RISK MANAGEMENT INC. | PO BOX 8419 PELHAM, NY 10803 | MUTUAL OF OMAHA INSURANCE COMPANY | $136 | — | $136 | 10.02% |
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 | 406 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 411 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 337 | $2.4M |
| Dental | AETNA LIFE INSURANCE COMPANY | 337 | $2.4M |
| Vision | VISION BENEFITS OF AMERICA | 181 | $14K |
| Life insurance(3 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 406 | $20K |
| Short-term disability(2 contracts) | MUTUAL OF OMAHA INSURANCE COMPANY | 75 | $17K |
| Other(5 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 406 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 406 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.