| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROWN RISK MANAGEMENT, LLC3 Filed as: SPIRE RISK MANAGEMENT, LLC | 45 NE LOOP 410 SAN ANTONIO, TX 78216 | AETNA LIFE INSURANCE COMPANY | $6K | $47K | $53K | 5.53% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: SPIRE RISK MANAGEMENT, LLC | 45 NE LOOP 410, SUITE 690 SAN ANTONIO, TX 78216 | UNITED OMAHA LIFE INSURANCE COMPANY | $26K | $4K | $30K | 17.22% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: SPIRE RISK MANAGEMENT, LLC | 45 NE LOOP 410, SUITE 690 SAN ANTONIO, TX 78216 | HARTFORD LIFE AND ACCIDENT | $4K | $0 | $4K | 20.00% |
| MARY A RODRIGUEZ3 Filed as: MARY A. RODRIGUEZ | PO BOX 791227 SAN ANTONIO, TX 78279 | AFLAC | $727 | $0 | $727 | 10.26% |
| RICHARD L JONES JR3 Filed as: RICHARD L. JONES JR | 5512 TALLGRASS BOULEVARD BULVERDE, TX 78163 | AFLAC | $87 | $0 | $87 | 1.23% |
| BRENT FORD3 Filed as: BRENT A. FORD | 45 NE LOOP 410, SUITE 408 SAN ANTONIO, TX 78216 | AFLAC | $67 | $0 | $67 | 0.95% |
| LARRY W MARONEY3 Filed as: LARRY W. MARONEY AND OTHER AGENTS | 1230 MOUNTAIN BREEZE CANYON LAKE, TX 78133 | AFLAC | $27 | $0 | $27 | 0.38% |
| LOUIS MARTORELLI III3 | 5014 WINKLER TERRACE SCHERTZ, TX 78154 | AFLAC | $24 | $0 | $24 | 0.34% |
| BARBARA BAROS3 | 5301 GOSHEN COURT CORPUS CHRISTI, TX 78413 | AFLAC | $20 | $0 | $20 | 0.28% |
| SCOTT R. FENTON3 | 945 TARAVAL STREET, SUITE 1137 SAN FRANCISCO, CA 94116 | AFLAC | $17 | $0 | $17 | 0.24% |
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 | 305 | 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) | 305 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 205 | $960K |
| Dental | AETNA LIFE INSURANCE COMPANY | 205 | $960K |
| Vision | AETNA LIFE INSURANCE COMPANY | 205 | $960K |
| Life insurance | UNITED OMAHA LIFE INSURANCE COMPANY | 305 | $176K |
| Short-term disability | UNITED OMAHA LIFE INSURANCE COMPANY | 305 | $176K |
| Long-term disability | UNITED OMAHA LIFE INSURANCE COMPANY | 305 | $176K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 205 | $960K |
| Other(3 contracts, 3 carriers) | UNITED OMAHA LIFE INSURANCE COMPANY | 305 | $204K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 305 | — |
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.