| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROWN RISK MANAGEMENT, LLC3 Filed as: ADAMS RISK MANAGEMENT SERVICES, LLC | 427 WEST 20TH STREET, SUITE 500 HOUSTON, TX 77008 | UNITEDHEALTHCARE INSURANCE COMPANY | -$11 | $44K | $44K | 2.04% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: ADAMS RISK MANAGEMENT SERVICES, LLC | 427 WEST 20TH STREET, SUITE 500 HOUSTON, TX 77008 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $31K | $2K | $32K | 12.31% |
| ASSUREDPARTNERS3 | 6200 SAVOY DRIVE, SUITE 345 HOUSTON, TX 77036 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $25K | $0 | $25K | 9.71% |
| ASSUREDPARTNERS3 | 6200 SAVOY DRIVE, SUITE 345 HOUSTON, TX 77036 | TRUSTMARK INSURANCE COMPANY | $25K | $0 | $25K | 26.87% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: ADAMS RISK MANAGEMENT SERVICES, LLC | 427 WEST 20TH STREET, SUITE 500 HOUSTON, TX 77008 | TRUSTMARK INSURANCE COMPANY | $11K | $0 | $11K | 11.56% |
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 | 231 | 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) | 231 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 293 | $2.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 231 | $262K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 231 | $262K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 231 | $357K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 231 | $262K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 231 | $262K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 293 | $2.2M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 231 | $357K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 293 | — |
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.