| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROWN RISK MANAGEMENT, LLC3 Filed as: SPIRE RISK MANAGEMENT, LLC | 45 NORTHEAST LOOP 410 SUITE 690 SAN ANTONIO, TX 78216 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | $53K | $61K | 5.96% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: SPIRE RISK MANAGEMENT LLC | 45 NORTHEAST LOOP 410 SUITE 690 SAN ANTONIO, TX 78216 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $996 | $6K | 18.01% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: SPIRE RISK MANAGEMENT LLC | 45 NORTHEAST LOOP 410 SUITE 690 SAN ANTONIO, TX 78216 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $647 | $4K | 23.73% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: SPIRE RISK MANAGEMENT LLC | 45 NORTHEAST LOOP 410 SUITE 690 SAN ANTONIO, TX 78216 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $504 | $3K | 18.25% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: SPIRE RISK MANAGEMENT LLC | 45 NORTHEAST LOOP 410 SUITE 690 SAN ANTONIO, TX 78216 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $451 | $3K | 23.19% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: SPIRE RISK MANAGEMENT LLC | 45 NORTHEAST LOOP 410 SUITE 690 SAN ANTONIO, TX 78216 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $434 | $2K | 18.48% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: SPIRE RISK MANAGEMENT LLC | 45 NORTHEAST LOOP 410 SUITE 690 SAN ANTONIO, TX 78216 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $525 | $3K | 24.58% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: SPIRE RISK MANAGEMENT LLC | 45 NORTHEAST LOOP 410 SUITE 690 SAN ANTONIO, TX 78216 | MUTUAL OF OMAHA INSURANCE COMPANY | $667 | $152 | $819 | 18.43% |
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 | 152 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 228 | $1.0M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 228 | $1.0M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 228 | $1.0M |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 152 | $33K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 55 | $33K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 28 | $26K |
| Other(7 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 152 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 228 | — |
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.
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.