| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROWN RISK MANAGEMENT, LLC3 Filed as: MERIDIAN RISK MANAGEMENT | PO BOX 8419 PELHAM, NY 10803 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $156K | $0 | $156K | 3.32% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: MERIDIAN RISK MANAGEMENT | PO BOX 8419 PELHAM, NY 10803 | DELTA DENTAL OF NEW YORK | $14K | $0 | $14K | 7.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN AND ASSOCIATES LLC | 1933 STATE ROUTE 35, STE 368 WALL TOWNSHIP, NJ 07719 | MUTUAL OF OMAHA INSURANCE COMPANY | $0 | $9K | $9K | 5.00% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: MERIDIAN RISK MANAGEMENT | PO BOX 8419 PELHAM, NY 10803 | MUTUAL OF OMAHA INSURANCE COMPANY | $4K | $3K | $7K | 3.89% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: MERIDIAN RISK MANAGEMENT | PO BOX 8419 PELHAM, NY 10803 | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | $10K | $0 | $10K | 12.99% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: MERIDIAN RISK MANAGEMENT | PO BOX 8419 PELHAM, NY 10803 | DELTA DENTAL OF NEW YORK | $4K | $0 | $4K | 7.01% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: MERIDIAN RISK MANAGEMENT | ONE WOLFS LANE PELHAM, NY 10803 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $2K | $0 | $2K | 7.40% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: MERIDIAN RISK MANAGEMENT | PO BOX 8419 PELHAM, NY 10803 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $701 | $0 | $701 | 2.44% |
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 | 674 | 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) | 674 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 750 | $4.7M |
| Dental(2 contracts) | DELTA DENTAL OF NEW YORK | 431 | $254K |
| Vision(2 contracts, 2 carriers) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 750 | $4.7M |
| Life insurance | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 415 | $73K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 241 | $185K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 241 | $185K |
| Other | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 415 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 750 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.