| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROWN RISK MANAGEMENT, LLC3 Filed as: SUN RISK MANAGEMENT, INC. | 120 6TH STREET SOUTH ST. PETERSBURG, FL 33701 | AETNA HEALTH, INC. | $117K | $0 | $117K | 2.83% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: SUN RISK MANAGEMENT, INC. | 120 6TH STREET SOUTH SAINT PETERSBURG, FL 33701 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.49% |
| PLANSOURCE BENEFITS ADMINISTRATION3 Filed as: PLANSOURCE HOLDINGS INC | 101 S GARLAND AVE., SUITE 203 ORLANDO, FL 32801 | AETNA LIFE INSURANCE CO. | $11K | $0 | $11K | 38.84% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: SUN RISK MANAGMENT, INC. | 120 6TH STREET SOUTH ST. PETERSBURG, FL 33701 | AETNA LIFE INSURANCE CO. | $845 | $0 | $845 | 2.87% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GUARDIAN LIFE INSURANCE COMPANY EIN 13-5123390 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $38K |
| SUN RISK MANAGEMENT, INC. EIN 59-2248381 BROKER | Insurance agents and brokers Service code 22 | — | $16K |
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 | 346 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 346 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 2 | $29K |
| Vision | VISION SERVICE PLAN | 244 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 346 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.