| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROWN RISK MANAGEMENT, LLC3 Filed as: SPIRE RISK MANAGEMENT LLC | 2101 MCCULLOUGH AVENUE, SUITE 210 SAN ANTONIO, TX 78212 | BLUECROSS BLUESHIELD OF TEXAS | $210K | $7K | $217K | 3.79% |
| EL CENTRO DEL BARRIO3 | 3750 COMMERCIAL AVENUE SAN ANTONIO, TX 78221 | BLUECROSS BLUESHIELD OF TEXAS | $0 | $30 | $30 | 0.00% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: SPIRE RISK MANAGEMENT LLC | 2101 MCCULLOUGH AVENUE, SUITE 210 SAN ANTONIO, TX 78212 | STANDARD INSURANCE COMPANY | $42K | $5K | $48K | 10.24% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: SPIRE RISK MANAGEMENT LLC | 2101 MCCULLOUGH AVENUE, SUITE 210 SAN ANTONIO, TX 78212 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $30K | $0 | $30K | 25.00% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: SPIRE RISK MANAGEMENT LLC | 45 NE LOOP 410, SUITE 690 SAN ANTONIO, TX 78216 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.08% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: SPIRE RISK MANAGEMENT LLC | 2101 MCCULLOUGH AVENUE, SUITE 210 SAN ANTONIO, TX 78212 | DEARBORN LIFE INSURANCE COMPANY | $7K | $0 | $7K | 9.95% |
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 | 832 | 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) | 832 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 877 | $5.7M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 877 | $5.7M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 537 | $67K |
| Life insurance | STANDARD INSURANCE COMPANY | 832 | $466K |
| Short-term disability | STANDARD INSURANCE COMPANY | 832 | $466K |
| Long-term disability | STANDARD INSURANCE COMPANY | 832 | $466K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 877 | $5.7M |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 832 | $586K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 877 | — |
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.