| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROWN RISK MANAGEMENT, LLC3 Filed as: SUN RISK MANAGEMENT, INC. | 1 PASS A GRILLE WAY ST PETERSBURG, FL 33706 | BLUE CROSS BLUE SHIELD OF FLORIDA | $21K | — | $21K | 6.00% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: SUN RISK MANAGEMENT, INC. | 1 PASS A GRILLE WAY ST PETERSBURG, FL 33706 | HEALTH OPTIONS | $16K | — | $16K | 6.00% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: SUN RISK MANAGEMENT, INC. | 120 6TH ST SOUTH ST PETERSBURG, FL 33701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 12.26% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $4K | $4K | 6.74% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS Filed as: BOON CHAPMAN BENEFIT ADMNSTRS INC. | P.O. BOX 9201 AUSTIN, TX 78766 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 5.01% |
| M.E. WILSON COMPANY, LLC3 Filed as: M.E. WILSON CO, LLC | P.O. BOX 373 TAMPA, FL 33601 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.75% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: SUN RISK MANAGEMENT, INC. | 120 6TH ST S ST PETERSBURG, FL 33701 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | — | $5K | 9.18% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE ST MORRIS, IL 60450 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $1K | $4K | 6.87% |
| M.E. WILSON COMPANY, LLC3 | 300 W PLATT ST #200 TAMPA, FL 33606 | PRINCIPAL LIFE INSURANCE COMPANY | $456 | — | $456 | 0.82% |
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 | 104 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 49 | $622K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 98 | $55K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 98 | $55K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 104 | $57K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 104 | $57K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 104 | $57K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 49 | $358K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 104 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 104 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.