| 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 78221 | BLUECROSS BLUESHIELD OF TEXAS | $189K | $7K | $196K | 3.67% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: SPIRE RISK MANAGEMENT, LLC | 2101 MCCULLOUGH AVENUE, SUITE 210 SAN ANTONIO, TX 78212 | STANDARD INSURANCE COMPANY | $30K | $0 | $30K | 6.79% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC | 2101 MCCULLOUGH AVENUE, SUITE 210 SAN ANTONIO, TX 78212 | STANDARD INSURANCE COMPANY | $14K | $0 | $14K | 3.27% |
| 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 | $21K | $5K | $26K | 21.76% |
| APEX ENGAGEMENT SOLUTIONS, LLC3 | 7330 SAN PEDRO AVENUE, SUITE 200 SAN ANTONIO, TX 78216 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $15K | $15K | 12.36% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA SPIRE | 2101 MCCULLOUGH AVENUE, SUITE 210 SAN ANTONIO, TX 78212 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $0 | $9K | 7.76% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC | 3 PARKWAY NORTH BOULEVARD SUITE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.01% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: SPIRE RISK MANAGEMENT, LLC | 2101 MCCULLOUGH AVENUE, SUITE 210 SAN ANTONIO, TX 78212 | DEARBORN LIFE INSURANCE COMPANY | $6K | $0 | $6K | 10.73% |
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 | 730 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 737 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 808 | $5.3M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 808 | $5.3M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 462 | $59K |
| Life insurance | STANDARD INSURANCE COMPANY | 707 | $435K |
| Short-term disability | STANDARD INSURANCE COMPANY | 707 | $435K |
| Long-term disability | STANDARD INSURANCE COMPANY | 707 | $435K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 808 | $5.3M |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 707 | $556K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 808 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.