| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CRM BENEFITS INC.3 | 350 E OGDEN AVE. WESTMONT, IL 60559 | UNITEDHEALTHCARE INSURANCE COMPANY | $130K | $10K | $139K | 4.77% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: CORPORATE RISK MANAGEMENT, INC. | 350 E OGDEN AVE WESTMONT, IL 60559 | DELTA DENTAL OF ILLINOIS | $17K | — | $17K | 7.38% |
| CRM BENEFITS INC.3 Filed as: CRM BENEFITS, INC. | 350 E. OGDEN AVE - SUITE 300 WESTMONT, IL 60559 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 15.07% |
| COMMERCIAL GROUP INTERMEDIARIES3 Filed as: COMMERCIAL GROUP INTERMEDIARIES, IN | 16 EXECUTIVE COURT - SUITE 4 SOUTH BARRINGTON, IL 60010 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 5.31% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: CORPORATE RISK MANAGEMENT, INC. | 350 E. OGDEN AVE WESTMONT, IL 60559 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 11.54% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: CORPORATE RISK MANAGEMENT INC. | 350 E OGDEN AVE. WESTMONT, IL 60559 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $405 | — | $405 | 16.10% |
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 | 490 | 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) | 492 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 596 | $2.9M |
| Dental | DELTA DENTAL OF ILLINOIS | 323 | $235K |
| Vision | DELTA DENTAL OF ILLINOIS | 323 | $235K |
| Life insurance(3 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 33 | $59K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 33 | $42K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 33 | $42K |
| Other(3 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 33 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 596 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.