| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROWN RISK MANAGEMENT, LLC3 Filed as: ADAMS RISK MANAGEMENT SERVICES LLC | PO BOX 7011 HOUSTON, TX 77248 | AETNA LIFE INSURANCE COMPANY | $579 | $75K | $76K | 5.06% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: ADAMS RISK MANAGEMENT SERVICES LLC | 427 WEST 20TH, SUITE B-111 HOUSTON, TX 77008 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $18K | $0 | $18K | 8.93% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF HOUSTON, LLC | 6200 SAVOY DRIVE, SUITE 345 HOUSTON, TX 77036 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $16K | $0 | $16K | 7.89% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF HOUSTON, LLC | 13750 SAN PEDRO AVENUE SAN ANTONIO, TX 78232 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $26K | $0 | $26K | 58.30% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: ADAMS RISK MANAGEMENT SERVICES LLC | PO BOX 7011 HOUSTON, TX 77248 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 6.00% |
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 | 174 | 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) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 246 | $1.5M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 246 | $1.7M |
| Vision(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 246 | $1.7M |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 172 | $244K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 172 | $200K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 172 | $200K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 246 | $1.5M |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 246 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 246 | — |
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.