| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROWN RISK MANAGEMENT, LLC3 Filed as: ADAMS RISK MANAGEMENT SERVICES LLC | 427 W 20TH STREET SUITE 500 HOUSTON, TX 77008 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $0 | $16K | 9.67% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF HOUSTON | 6200 SAVOY DRIVE SUITE 345 HOUSTON, TX 77036 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $16K | $0 | $16K | 20.02% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: ADAMS RISK MANAGEMENT SERVICES | 427 WEST 20TH STREET SUITE 500 HOUSTON, TX 77008 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 9.45% |
| PROFESSIONAL ENROLLMENT CONCEPTS3 | — | COMBINED INSURANCE | $15K | $0 | $15K | 28.29% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: ADAMS RISK MANAGEMENT SERVICES | — | COMBINED INSURANCE | $6K | $0 | $6K | 12.13% |
| PROFESSIONAL ENROLLMENT CONCEPTS3 | — | COMBINED INSURANCE | $4K | $0 | $4K | 16.68% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: ADAMS RISK MANAGEMENT SERVICE | — | COMBINED INSURANCE | $2K | $0 | $2K | 7.14% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: ADAMS RISK MANAGEMENT SERVICES LLC | 427 W 20TH STREET SUITE 500 HOUSTON, TX 77008 | SAFEGUARD HEALTH PLANS INC A TEXAS CORPORATION | $1K | $0 | $1K | 9.43% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ADAMS RISK MANAGEMENT SERVICES LLC BROKER | Insurance agents and brokers Service code 22 | PO BOX 7011 HOUSTON, TX 77248 | $65K |
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 | 158 | 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) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 248 | $1.2M |
| Dental(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 359 | $255K |
| Vision(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 359 | $245K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 359 | $190K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 359 | $164K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 359 | $164K |
| Other(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 359 | $324K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 359 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.