| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRUCE CROHN LLC3 Filed as: BRUCE HARRIS | 11416 ROYALSHIRE DRIVE, SUITE 100 DALLAS, TX 75230 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $4K | $42K | $46K | 2.59% |
| DOUGLAS DOSTER3 | 5101 WHELLIS DRIVE, SUITE 305 MEMPHIS, TN 38117 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $4K | $42K | $46K | 2.59% |
| DOUGLAS DOSTER3 | 5101 WHELLIS DRIVE, SUITE 305 MEMPHIS, TN 38117 | HUMANA INSURANCE OF PUERTO RICO, INC. | $12K | $0 | $12K | 5.42% |
| DOUGLAS DOSTER3 | 5101 WHELLIS DRIVE, SUITE 305 MEMPHIS, TN 38117 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $0 | $6K | 10.00% |
| BRUCE CROHN LLC3 Filed as: BRUCE HARRIS | 11416 ROYALSHINE DRIVE, SUITE 100 DALLAS, TX 75230 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $0 | $6K | 10.00% |
| DOUGLAS DOSTER3 Filed as: DOUGLAS B. DOSTER | 5101 WHELLIS DRIVE, SUITE 305 MEMPHIS, TN 38117 | HARTFORD LIFE AND ACCIDENT | $2K | $0 | $2K | 20.00% |
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 | 180 | 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) | 180 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 151 | $2.0M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 151 | $2.0M |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 151 | $2.0M |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 180 | $73K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 180 | $73K |
| Prescription drug(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 151 | $2.0M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 180 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 180 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.