| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROWN RISK MANAGEMENT, LLC3 | 432 NORTH FRANKLIN ST, SUITE 20 SYRACUSE, NY 13204 | EXCELLUS BLUE CROSS BLUE SHIELD | $12K | — | $12K | 1.36% |
| CROWN RISK MANAGEMENT, LLC3 | 432 NORTH FRANKLIN ST, STE 20 SYRACUSE, NY 13204 | THE HARTFORD | $61K | — | $61K | 10.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | THE HARTFORD | — | $30K | $30K | 5.00% |
| CROWN RISK MANAGEMENT, LLC3 | 432 NORTH FRANKLIN STREET, SUITE 20 SYRACUSE, NY 13202 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 9.89% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EXCELLUS BLUE CROSS BLUE SHIELD EIN 15-0329043 THIRD PARTY ADMIN | Claims processing Service code 12 | — | $94K |
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 | 1,424 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,426 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,278 | $75K |
| Life insurance | THE HARTFORD | 1,424 | $605K |
| Long-term disability | THE HARTFORD | 1,424 | $605K |
| Stop-loss / reinsurancereinsurance | EXCELLUS BLUE CROSS BLUE SHIELD | 937 | $910K |
| Other | THE HARTFORD | 1,424 | $605K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,424 | — |
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.