| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROWN RISK MANAGEMENT, LLC3 Filed as: SOLARIS RISK MANAGEMENT LLC | 205 E 42ND ST, 19TH FLOOR OFC 1940 NEW YORK, NY 100175706 | UNITEDHEALTHCARE INSURANCE COMPANY | $99K | — | $99K | 7.35% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: SOLARIS RISK MANAGEMENT LLC | 205 E 42ND ST, 19TH FLOOR OFC 1940 NEW YORK, NY 10017 | KAISER FOUNDATION HEALTH PLAN, INC. | $11K | — | $11K | 4.69% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE AND FINANCIAL SERVICE | 777 MARINERS ISLAND BLVD SUITE 250 SAN MATEO, CA 944045088 | KAISER FOUNDATION HEALTH PLAN, INC. | — | $54 | $54 | 0.02% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: SOLARIS RISK MANAGEMENT LLC | 12 E 49TH ST OFC 203 NEW YORK, NY 100171028 | UNITEDHEALTHCARE INSURANCE COMPANY | $13K | — | $13K | 7.57% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS INC. | 225 WIRELESS BLVD SUITE 200 HAUPPAUGE, NY 11788 | SUN LIFE ASSURANCE COMPANY OF CANADA | $13K | $10K | $23K | 17.41% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: SOLARIS RISK MANAGEMENT LLC | 205 E 42ND ST, 19TH FLOOR SUITE 1940 NEW YORK, NY 10017 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 7.42% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS INC. | 225 WIRELESS BLVD SUITE 200 HAUPPAUGE, NY 11788 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: SOLARIS RISK MANAGEMENT | 205 EAST 42ND ST 19TH FL OFFICE 1940 NEW YORK, NY 10017 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 11.00% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS INC. | 225 WIRELESS BLVD SUITE 200 HAUPPAUGE, NY 11788 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $517 | — | $517 | 5.00% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: SOLARIS RISK MANAGEMENT | 205 EAST 42ND ST 19TH FL OFFICE 1940 NEW YORK, NY 10017 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $13K | — | $13K | 125.87% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS INC. | 225 WIRELESS BLVD SUITE 200 HAUPPAUGE, NY 11788 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $509 | — | $509 | 5.00% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: SOLARIS RISK MANAGEMENT | 205 EAST 42ND ST 19TH FL OFFCE 1940 NEW YORK, NY 10017 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $281 | — | $281 | 9.99% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD SUITE 200 HAUPPAUGE, NY 11788 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $141 | — | $141 | 5.01% |
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 | 109 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 141 | $1.8M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 84 | $134K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 84 | $134K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 127 | $31K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 128 | $10K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 128 | $10K |
| Other(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 169 | $167K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 169 | — |
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.