| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROWN RISK MANAGEMENT, LLC3 Filed as: INTEGRITY RISK MANAGEMENT, INC. | 128 W CHARLOTTE AVE PUNTA GORDA, FL 339508243 | AMERITAS LIFE INSURANCE CORP. | $9K | — | $9K | 10.00% |
| MICHAEL ALAN PHILLIPS3 | 703 N LAKE STREET CRESCENT CITY, FL 321122213 | AMERITAS LIFE INSURANCE CORP. | $2K | — | $2K | 2.57% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: INTEGRITY RISK MANAGEMENT, INC. | 128 W CHARLOTTE AVE PUNTA GORDA, FL 33950 | NEIGHBORHOOD HEALTH PARTNERSHIP | $3K | — | $3K | 3.48% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE DBA BENEFITMA | 250 W OLD WILSON BRIDGE RD #190 WORTHINGTON, OH 430852298 | NEIGHBORHOOD HEALTH PARTNERSHIP | $1K | — | $1K | 1.41% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: INTEGRITY RISK MANAGEMENT, INC. | 128 W CHARLOTTE AVE PUNTA GORDA, FL 33950 | AETNA | $4K | — | $4K | 6.97% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE FLORIDA | 6750 N ANDREWS AVE, SUITE 125 FORT LAUDERDALE, FL 333092148 | AETNA | $1K | — | $1K | 2.38% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: INTEGRITY RISK MANAGEMENT, INC. | 128 W CHARLOTTE AVE PUNTA GORDA, FL 33950 | AETNA | $2K | — | $2K | 3.53% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE FLORIDA | 6750 N ANDREWS AVE, STE 125 FORT LAUDERDALE, FL 333092148 | AETNA | $1K | — | $1K | 2.01% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: INTEGRITY RISK MANAGEMENT, INC. | 128 W CHARLOTTE AVE PUNTA GORDA, FL 33950 | AETNA | $2K | — | $2K | 4.52% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS FINANCIAL SER DBA B | 6750 N ANDREWS AVE STE 125 FORT LAUDERDALE, FL 333092148 | AETNA | $1K | — | $1K | 2.58% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: INTEGRITY RISK MANAGEMENT, INC. | 128 W CHARLOTTE AVE PUNTA GORDA, FL 33950 | AETNA | $2K | — | $2K | 3.97% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE FLORIDA | 6750 N ANDREWS AVE, STE 125 FORT LAUDERDALE, FL 333092148 | AETNA | $1K | — | $1K | 2.27% |
| TIMOTHY MURNO3 | 3626 TAMIAMI TRAIL PORT CHARLOTTE, FL 339528243 | BLUE CROSS BLUE SHIELD | $848 | — | $848 | 1.85% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: INTEGRITY RISK MANAGEMENT, INC. | 128 W CHARLOTTE ST PUNTA GORDA, FL 339505502 | BLUE CROSS BLUE SHIELD | $364 | — | $364 | 0.80% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: INTEGRITY RISK MANAGEMENT, INC. | 128 W CHARLOTTE AVE PUNTA GORDA, FL 33950 | AETNA | $3K | — | $3K | 6.63% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: INTEGRITY RISK MANAGEMENT, INC | 128 W CHARLOTTE AVE PUNTA GORDA, FL 339505502 | UNITEDHEALTHCARE INSURANCE COMPANY | $90 | — | $90 | 0.31% |
| INSURANCE CONSULTANTS OF CENTRAL FL3 | 227 S ORLANDO AVE STE 1A WINTER PARK, FL 327893682 | UNITEDHEALTHCARE INSURANCE COMPANY | $376 | — | $376 | 1.36% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE SOUTH FLORIDA | 6750 N ANDREWS AVE STE 125 FORT LAUDERDALE, FL 333092148 | UNITEDHEALTHCARE INSURANCE COMPANY | $156 | — | $156 | 0.56% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: INTEGRITY RISK MANAGEMENT, INC. | 128 W CHARLOTTE AVE PUNTA GORDA, FL 339505502 | UNITEDHEALTHCARE INSURANCE COMPANY | $23 | — | $23 | 0.08% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE FLORIDA | 6750 N ANDREWS AVE STE 125 FORT LAUDERDALE, FL 333092148 | UNITED HEALTHCARE INSURANCE COMPANY | $107 | — | $107 | 0.45% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: INTEGRITY RISK MANAGEMENT | 128 W CHARLOTTE AVENUE PUNTA GORDA, FL 339505502 | UNITED HEALTHCARE INSURANCE COMPANY | $90 | — | $90 | 0.38% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: INTEGRITY RISK MANAGEMENT, INC. | 128 W CHARLOTTE AVE PORT CHARLOTTE, FL 33950 | AETNA | $42 | — | $42 | 0.29% |
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 | 307 | 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) | 307 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(10 contracts, 5 carriers) | NEIGHBORHOOD HEALTH PARTNERSHIP | 24 | $412K |
| Dental | AMERITAS LIFE INSURANCE CORP. | 233 | $88K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 233 | $88K |
| Life insurance | AETNA | 14 | $56K |
| Short-term disability | AETNA | 14 | $56K |
| Long-term disability | AETNA | 14 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 233 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.