| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROWN RISK MANAGEMENT, LLC3 | 432 NORTH FRANKLIN STREET, SUITE 20 SYRACUSE, NY 13204 | SUN LIFE ASSURANCE COMPANY OF CANADA | $60K | — | $60K | 15.00% |
| UMR, INC.3 | 11 SCOTT ST, STE 100 WAUSAU, WI 54403 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $2K | $2K | 0.54% |
| CROWN RISK MANAGEMENT, LLC3 | 432 NORTH FRANKLIN STREET, SUITE 20 SYRACUSE, NY 13202 | GUARDIAN | $15K | $3K | $18K | 11.78% |
| CROWN RISK MANAGEMENT, LLC3 | 432 NORTH FRANKLIN STREET SUITE 20 SYRACUSE, NY 13204 | UNITED HEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 9.89% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX, INC EIN 33-0441200 PHARMACY BENEFITS MANAGE | Float revenue; Other fees; Direct payment from the plan; Claims processing Service code 12 | — | $307K |
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $49K |
| CROWN RISK MANAGEMENT LLC EIN 20-2318765 BROKER | Other commissions Service code 55 | 432 NORTH FRANKLIN STREET SUITE 20 SYRACUSE, NY 13204 | $23K |
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 | 128 | 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) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 185 | $150K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 232 | $13K |
| Life insurance | GUARDIAN | 185 | $150K |
| Short-term disability | GUARDIAN | 185 | $150K |
| Long-term disability | GUARDIAN | 185 | $150K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 74 | $401K |
| Other | GUARDIAN | 185 | $150K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 232 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.