| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROWN RISK MANAGEMENT, LLC Filed as: FREMIN INSURANCE & RISK MANAGEMENT | 140 RUE BEAUREGARD STE C LAFAYETTE, LA 70508 | BLUECROSS AND BLUESHIELD OF LOUISIANA | $43K | $23K | $65K | 5.39% |
| GIS BENEFITS INC | 422 WAUPONSEE ST MORRIS, IL 604502215 | PRINCIPAL LIFE INSURANCE COMPANY | $16K | $7K | $23K | 21.91% |
| CROWN RISK MANAGEMENT, LLC Filed as: FREMIN INSURANCE & RISK MANAGEMENT | 140 RUE BEAUREGARD STE C LAFAYETTE, LA 705083131 | PRINCIPAL LIFE INSURANCE COMPANY | $17K | — | $17K | 16.49% |
| CROWN RISK MANAGEMENT, LLC Filed as: FREMIN INSURANCE & RISK MANAGAMENT | 140 RUE BEAUREGARD SUITE C LAFAYETTE, LA 70508 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | — | $9K | 15.00% |
| GIS BENEFITS INC | 422 WAUPONSEE ST MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 5.00% |
| GIS BENEFITS INC Filed as: GIS | 422 WAUPONSEE ST MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $439 | $439 | 0.75% |
| ADMINISTRATORS, INC, BOON-CHAPMAN B Filed as: ADMINISTRATORS INC, BOON-CHAMPMAN B | 9401 AMBERGLEN BLVD STE 100 AUSTIN, TX 78729 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| CROWN RISK MANAGEMENT, LLC Filed as: FREMIN INSURANCE AND RISK MANAGEMEN | 140 RUE BEAUREGARD STE C LAFAYETTE, LA 70508 | GUARDIAN | $3K | — | $3K | 17.89% |
| MARK S METTILLE Filed as: MARK STEPHEN METTILLE | 832 BAY ST NE UNIT 1 ST PETERSBURG, FL 33701 | GUARDIAN | $949 | — | $949 | 5.00% |
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 | 116 | 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) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS AND BLUESHIELD OF LOUISIANA | 246 | $1.2M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 247 | $104K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 247 | $104K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 247 | $104K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 62 | $58K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 62 | $58K |
| Prescription drug | BLUECROSS AND BLUESHIELD OF LOUISIANA | 246 | $1.2M |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 62 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 247 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.