| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROWN RISK MANAGEMENT, LLC3 | 432 NORTH FRANKLIN STREET SYRACUSE, NY 13204 | HCC LIFE INSURANCE COMPANY | $45K | — | $45K | 14.99% |
| UMR, INC.5 | 11 SCOTT STREET WAUSAU, WI 544034808 | HCC LIFE INSURANCE COMPANY | $2K | — | $2K | 0.81% |
| CROWN RISK MANAGEMENT, LLC3 | 432 NORTH FRANKLIN STREET, STE 20 SYRACUSE, NY 13204 | HCC LIFE INSURANCE COMPANY | $27K | — | $27K | 15.00% |
| UMR, INC.5 | 11 SCOTT STREET WAUSAU, WI 544034808 | HCC LIFE INSURANCE COMPANY | $1K | — | $1K | 0.79% |
| CROWN RISK MANAGEMENT, LLC3 | 432 N FRANKLIN ST, SUITE 20 SYRACUSE, NY 13204 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $40 | $6K | 3.86% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: CROWN RISK MANAGEMENT,LLC | 432 N FRANKLIN ST, SUITE 20 SYRACUSE, NY 13204 | GUARDIAN | — | $476 | $476 | 1.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX, INC. EIN 33-0441200 PHARMACY BENEFIT MANAGER | Other fees; Float revenue; Direct payment from the plan; Claims processing Service code 12 | — | $1.0M |
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $231K |
| CROWN RISK MANAGEMENT, LLC EIN 20-2318765 PHARMACY BENEFIT MANAGER | Other commissions Service code 55 | 432 NORTH FRANKLIN STREET, STE 20 SYRACUSE, NY 13204 | $69K |
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 | 1,365 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,366 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 526 | $32K |
| Vision | GUARDIAN | 526 | $32K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,365 | $164K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,365 | $164K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,365 | $164K |
| Stop-loss / reinsurancereinsurance(2 contracts) | HCC LIFE INSURANCE COMPANY | 418 | $479K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 1,365 | $164K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,365 | — |
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.