| 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 | $42K | $17K | $59K | 4.93% |
| CROWN RISK MANAGEMENT, LLC Filed as: FREMIN INSURANCE & RISK MANAGEMENT | 140 RUE BEAUREGARD STE C LAFAYETTE, LA 705083131 | PRINCIPAL LIFE INSURANCE COMPANY | $22K | — | $22K | 16.09% |
| GIS BENEFITS INC | 422 WAUPONSEE ST MORRIS, IL 604502215 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | — | $6K | 4.29% |
| CROWN RISK MANAGEMENT, LLC Filed as: FREMIN INSURANCE & RISK MANAGAMENT | 140 RUE BEAUREGARD SUITE C LAFAYETTE, LA 70508 | RELIANCE STANDARD | $12K | — | $12K | 15.00% |
| GIS BENEFITS INC Filed as: GIS BENEFITS, INC | 422 WAUPONSEE ST MORRIS, IL 60450 | RELIANCE STANDARD | $4K | — | $4K | 5.00% |
| CROWN RISK MANAGEMENT, LLC Filed as: FREMIN INSURANCE AND RISK MANAGEMEN | 140 RUE BEAUREGARD STE C LAFAYETTE, LA 70508 | KEMPER | $5K | — | $5K | 17.48% |
| GIS BENEFITS INC | 422 WAUPONSEE ST MORRIS, IL 60450 | KEMPER | $1K | $2K | $3K | 8.97% |
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 | 127 | 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) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS AND BLUESHIELD OF LOUISIANA | 127 | $1.2M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 118 | $137K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 118 | $137K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 118 | $137K |
| Short-term disability | RELIANCE STANDARD | 73 | $81K |
| Long-term disability | RELIANCE STANDARD | 73 | $81K |
| Prescription drug | BLUECROSS AND BLUESHIELD OF LOUISIANA | 127 | $1.2M |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD | 73 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 127 | — |
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.