| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROWN RISK MANAGEMENT, LLC3 Filed as: THE RISK MANAGEMENT GROUP | 7300 N KENDALL DR, STE 202 MIAMI, FL 33156 | BLUE CROSS BLUE SHIELD OF FLORIDA | $10K | — | $10K | 5.00% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: THE RISK MANAGEMENT GROUP INC | 47 N KROME AVENUE HOMESTEAD, FL 33030 | PRINCIPAL LIFE INSURANCE COMPANY | $10K | — | $10K | 11.74% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 2502 N ROCKY POINT DR TAMPA, FL 33607 | PRINCIPAL LIFE INSURANCE COMPANY | — | $2K | $2K | 2.29% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: THE RISK MANAGEMENT GROUP INC | 2502 N ROCKY POINT DR TAMPA, FL 33607 | PRINCIPAL LIFE INSURANCE COMPANY | — | $2K | $2K | 2.29% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W BLUE BELL, PA 19422 | PRINCIPAL LIFE INSURANCE COMPANY | — | $791 | $791 | 0.92% |
| NATIONAL AGENCY SOLUTIONS LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $3K | — | $3K | 8.96% |
| FRANK ACOSTA3 | 47 NORTH KROME AVE HOMESTEAD, FL 33030 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | — | $2K | 6.59% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: THE RISK MANAGEMENT GROUP INC | 3150 SW 38TH AVE #1315 MIAMI, FL 33146 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $431 | — | $431 | 1.40% |
| JOSEPH P CALARCO3 Filed as: JOSEPH EVANS | 4312 DIAMOND TERRACE WESTON, FL 33331 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $317 | — | $317 | 1.03% |
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 | 160 | 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) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 58 | $195K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 208 | $86K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 208 | $86K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 208 | $86K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 208 | $86K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 58 | $195K |
| Other | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 57 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 208 | — |
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.