| 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 | 2.61% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: INTEGRITY RISK MANAGEMENT, INC. | 128 W CHARLOTTE AVE PUNTA GORDA, FL 33950 | AETNA | $2K | — | $2K | 3.70% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE FINANCIAL SER | 6750 N ANDREWS AVE, STE 125 FORT LAUDERDALE, FL 333092148 | AETNA | $1K | — | $1K | 2.11% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: INTEGRITY RISK MANAGEMENT, INC. | 128 W CHARLOTTE AVE PUNTA GORDA, FL 33950 | AETNA | $2K | — | $2K | 3.92% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE FINANCIAL SER | 6750 N ANDREWS AVE, SUITE 125 FORT LAUDERDALE, FL 333092148 | AETNA | $1K | — | $1K | 2.57% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: INTEGRITY RISK MANAGEMENT, INC. | 3626 TAMIAMI TRAIL PORT CHARLOTTE, FL 33952 | AETNA | $124 | — | $124 | 0.23% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: INTEGRITY RISK MANAGEMENT, INC. | 128 W CHARLOTTE AVE PUNTA GORDA, FL 33950 | AETNA | $2K | — | $2K | 3.13% |
| 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 | 2.26% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: INTEGRITY RISK MANAGEMENT, INC. | 3626 TAMIAMI TRAIL PORT CHARLOTTE, FL 33952 | AETNA | $448 | — | $448 | 0.82% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: INTEGRITY RISK MANAGEMENT, INC. | 128 W CHARLOTTE AVE PUNTA GORDA, FL 33950 | AETNA | $1K | — | $1K | 2.74% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE FINANCIAL SER | 6750 N ANDREWS AVE, STE 125 FORT LAUDERDALE, FL 333092148 | AETNA | $1K | — | $1K | 2.03% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: INTEGRITY RISK MANAGEMENT, INC. | 3626 TAMIAMI TRAIL PORT CHARLOTTE, FL 33952 | AETNA | $420 | — | $420 | 0.82% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: INTEGRITY RISK MANAGEMENT, INC. | 128 W CHARLOTTE AVE PUNTA GORDA, FL 33950 | AETNA | $3K | — | $3K | 6.78% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE FLORIDA | 6750 N ANDREWS AVE STE 125 FORT LAUDERDALE, FL 333092148 | UNITED HEALTHCARE INSURANCE COMPANY | $90 | — | $90 | 0.37% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: INTEGRITY RISK MANAGEMENT | 128 W CHARLOTTE AVENUE PUNTA GORDA, FL 339505502 | UNITED HEALTHCARE INSURANCE COMPANY | $72 | — | $72 | 0.30% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: INTEGRITY RISK MANAGEMENT, INC. | 128 W CHARLOTTE AVE PORT CHARLOTTE, FL 33950 | AETNA | $45 | — | $45 | 0.31% |
| TIMOTHY MURNO3 | 3626 TAMIAMI TRAIL PORT CHARLOTTE, FL 339528243 | BLUE CROSS BLUE SHIELD | $1K | — | $1K | — |
| CROWN RISK MANAGEMENT, LLC3 Filed as: INTEGRITY RISK MANAGEMENT, INC. | 128 W CHARLOTTE ST PUNTA GORDA, FL 339505502 | BLUE CROSS BLUE SHIELD | $855 | — | $855 | — |
| CROWN RISK MANAGEMENT, LLC3 Filed as: INTEGRITY RISK MANAGEMENT, INC | 128 W CHARLOTTE AVE PUNTA GORDA, FL 339505502 | UNITEDHEALTHCARE INSURANCE COMPANY | $90 | — | $90 | — |
| INSURANCE CONSULTANTS OF CENTRAL FL3 | 227 S ORLANDO AVE STE 1A WINTER PARK, FL 327893682 | UNITEDHEALTHCARE INSURANCE COMPANY | $376 | — | $376 | — |
| 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 | — |
| CROWN RISK MANAGEMENT, LLC3 Filed as: INTEGRITY RISK MANAGEMENT, INC. | 128 W CHARLOTTE AVE PUNTA GORDA, FL 339505502 | UNITEDHEALTHCARE INSURANCE COMPANY | $23 | — | $23 | — |
| CROWN RISK MANAGEMENT, LLC3 Filed as: INTEGRITY RISK MANAGEMENT, INC. | 128 W CHARLOTTE AVE PUNTA GORDA, FL 33950 | NEIGHBORHOOD HEALTH PARTNERSHIP | $3K | — | $3K | — |
| 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 | — |
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 | 312 | 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) | 312 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(11 contracts, 5 carriers) | AETNA | 24 | $298K |
| Dental | AMERITAS LIFE INSURANCE CORP. | 435 | $86K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 435 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 435 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.