| 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 | $35K | $8K | $44K | 4.34% |
| CROWN RISK MANAGEMENT, LLC Filed as: FREMIN INSURANCE & RISK MANAGEMENT | 140 RUE BEAUREGARD STE C LAFAYETTE, LA 705083131 | PRINCIPAL LIFE INSURANCE COMPANY | $16K | — | $16K | 16.55% |
| GIS BENEFITS INC | 422 WAUPONSEE ST MORRIS, IL 604502215 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $3K | $7K | 7.07% |
| 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 Filed as: 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 | — | $1K | $1K | 2.23% |
| 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 | KEMPER | $4K | — | $4K | 17.47% |
| GIS BENEFITS INC | 422 WAUPONSEE ST MORRIS, IL 60450 | KEMPER | $952 | — | $952 | 3.99% |
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 | 100 | 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) | 100 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS AND BLUESHIELD OF LOUISIANA | 211 | $1.0M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 184 | $98K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 184 | $98K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 184 | $98K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 51 | $59K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 51 | $59K |
| Prescription drug | BLUECROSS AND BLUESHIELD OF LOUISIANA | 211 | $1.0M |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 51 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 211 | — |
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.