| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROWN RISK MANAGEMENT, LLC3 Filed as: ADAMS RISK MANAGEMENT SERVICES | PO BOX 7011 HOUSTON, TX 77248 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $43K | $43K | 2.04% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: ADAMS RISK MANAGEMENT SERVICES | 427 WEST 20TH, SUITE B-111 HOUSTON, TX 77008 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $20K | $0 | $20K | 7.78% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF HOUSTON LLC | 6200 SAVOY DRIVE, SUITE 345 HOUSTON, TX 77036 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $17K | $0 | $17K | 6.38% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF HOUSTON LLC | 6200 SAVOY DRIVE, SUITE 345 HOUSTON, TX 77036 | TRUSTMARK INSURANCE COMPANY | $13K | $0 | $13K | 13.95% |
| PROFESSIONAL ENROLLMENT CONCEPTS3 | 6200 SAVOY DRIVE, SUITE 345 HOUSTON, TX 77036 | TRUSTMARK INSURANCE COMPANY | $9K | $0 | $9K | 9.97% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: ADAMS RISK MANAGEMENT SERVICES | 427 WEST 20TH STREET, SUITE 500 HOUSTON, TX 77008 | TRUSTMARK INSURANCE COMPANY | $7K | $0 | $7K | 7.94% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: ADAMS RISK MANAGEMENT SERVICES | 427 WEST 20TH STREET, SUITE B-111 HOUSTON, TX 77008 | TRUSTMARK INSURANCE COMPANY | $2K | $0 | $2K | 2.64% |
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 | 254 | 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) | 254 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 305 | $2.1M |
| Dental(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 305 | $2.4M |
| Vision(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 305 | $2.4M |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 254 | $358K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 254 | $264K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 254 | $264K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 305 | $2.1M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 254 | $358K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 305 | — |
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."
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.