| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROWN RISK MANAGEMENT, LLC3 Filed as: MERIDIAN RISK MANAGEMENT | PO BOX 8419 PELHAM, NY 10803 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $105K | — | $105K | 14.95% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: MERIDIAN RISK MANAGEMENT INC | PO BOX 8419 PELHAM, NY 10803 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 2.94% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: MERIDIAN RISK MANAGEMENT INC | PO BOX 8419 PELHAM, NY 10803 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | — | $10K | 13.00% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: MERIDIAN RISK MANAGEMENT INC | PO BOX 8419 PELHAM, NY 10803 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 13.00% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: MERIDIAN RISK MANAGEMENT INC. | PO BOX 8419 PELHAM, NY 10803 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 8.07% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: MERIDIAN RISK MANAGEMENT INC | PO BOX 8419 PELHAM, NY 10803 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: MERIDIAN RISK MANAGEMENT INC. | PO BOX 8419 PELHAM, NY 10803 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 6.76% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: MERIDIAN RISK MANAGEMENT INC. | PO BOX 8419 PELHAM, NY 10803 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| MERIDIAN RISK MANAGEMEENT INC3 | PO BOX 8419 PELHAM, NY 10803 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
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 | 227 | 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) | 229 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 255 | $700K |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 183 | $141K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 183 | $21K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 227 | $103K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 104 | $79K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 255 | $700K |
| Other(5 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 227 | $164K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 255 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.