| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROWN RISK MANAGEMENT, LLC3 Filed as: ADAMS RISK MANAGMENT SERVICES, LLC | 427 WEST 20TH STREET, SUITE 500 HOUSTON, TX 77008 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $41K | $41K | 2.00% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: ADAMS RISK MANAGMENT SERVICES, LLC | 427 WEST 20TH STREET, SUITE 500 HOUSTON, TX 77008 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $11K | $0 | $11K | 9.89% |
| ASSUREDPARTNERS3 | 13750 SAN PEDRO AVENUE, SUITE 550 SAN ANTONIO, TX 78232 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $41K | $3K | $44K | 48.50% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: ADAMS RISK MANAGMENT SERVICES, LLC | 427 WEST 20TH STREET, SUITE 500 HOUSTON, TX 77008 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $18K | $0 | $18K | 19.50% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: ADAMS RISK MANAGMENT SERVICES, LLC | PO BOX 7011 HOUSTON, TX 77248 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | $0 | $11K | 15.00% |
| ACCRETIVE ENROLLMENT SERVICES LLC3 Filed as: ACCRETIVE ENROLLMENT SERVICES | 13750 SAN PEDRO AVENUE, SUITE 550 SAN ANTONIO, TX 78232 | TRUSTMARK INSURANCE COMPANY | $11K | $0 | $11K | 15.44% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: ADAMS RISK MANAGMENT SERVICES, LLC | 427 WEST 20TH STREET, SUITE 500 HOUSTON, TX 77008 | TRUSTMARK INSURANCE COMPANY | $6K | $0 | $6K | 8.94% |
| ASSUREDPARTNERS3 | 6200 SAVOY DRIVE, SUITE 345 HOUSTON, TX 77036 | TRUSTMARK INSURANCE COMPANY | $4K | $0 | $4K | 5.43% |
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 | 167 | 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) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 300 | $2.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 167 | $110K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 167 | $110K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 167 | $147K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 167 | $76K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 167 | $76K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 300 | $2.1M |
| Other(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 167 | $166K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 300 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.