| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROWN RISK MANAGEMENT, LLC3 Filed as: 360 RISK MANAGEMENT INC | 21500 HAGGERTY RD # 140 NORTHVILLE, MI 48167 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $60K | $32K | $93K | 15.33% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: 360 RISK MANAGEMENT INC | 21500 HAGGERTY RD # 140 NORTHVILLE, MI 48167 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $27K | $20K | $47K | 25.74% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: 360 RISK MANAGEMENT INC | 21500 HAGGERTY RD # 140 NORTHVILLE, MI 48167 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | $4K | $19K | 13.00% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: 360 RISK MANAGEMENT INC | 21500 HAGGERTY RD # 140 NORTHVILLE, MI 48167 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $15K | $26K | 23.24% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: 360 RISK MANAGEMENT INC | 21500 HAGGERTY RD # 140 NORTHVILLE, MI 48167 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | $11K | $24K | 26.83% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: 360 RISK MANAGEMENT INC | 21500 HAGGERTY RD # 140 NORTHVILLE, MI 48167 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | $8K | $22K | 30.35% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: 360 RISK MANAGEMENT INC | 21500 HAGGERTY RD # 140 NORTHVILLE, MI 48167 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $2K | $10K | 15.69% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: 360 RISK MANAGEMENT INC | 21500 HAGGERTY RD # 140 NORTHVILLE, MI 48167 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | $7K | $20K | 31.30% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: 360 RISK MANAGEMENT INC | 21500 HAGGERTY RD # 140 NORTHVILLE, MI 48167 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $370 | $2K | 18.00% |
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 | 1,520 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,526 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 1,707 | $491K |
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,222 | $359K |
| Short-term disability(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,412 | $930K |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 683 | $102K |
| Other(5 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,412 | $576K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,707 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.