| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROWN RISK MANAGEMENT, LLC3 Filed as: SPIRE RISK MANAGEMENT, LLC. | 2101 MCCOLLOUGH AVENUE SUITE 210 SAN ANTONIO, TX 78212 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $298K | $298K | 3.87% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: SPIRE RISK MANAGEMENT, LLC. | 2101 MCCOLLOUGH AVENUE SUITE 210 SAN ANTONIO, TX 78212 | METROPOLITAN LIFE INSURANCE COMPANY | $58K | $21 | $58K | 13.56% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 SOUTH GARLAND AVENUE SUITE 203 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 1.27% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $661 | $661 | 0.16% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $0 | $15K | 14.86% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 SOUTH GARLAND AVENUE SUITE 203 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $426 | $0 | $426 | 0.47% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: SPIRE RISK MANAGEMENT, LLC. | 2101 MCCOLLOUGH AVENUE SUITE 210 SAN ANTONIO, TX 78212 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $21 | $21 | 0.02% |
| WILSON CHRISTOPHER J3 Filed as: WILSON CHRIS | 6575 PFEIL ROAD SCHERTZ, TX 78154 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | $0 | $5K | 9.23% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: SPIRE RISK MANAGEMENT, LLC. | 2101 MCCOLLOUGH AVENUE SUITE 210 SAN ANTONIO, TX 78212 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | $0 | $5K | 9.23% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,529 | $7.7M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,341 | $426K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,243 | $90K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 696 | $101K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 696 | $157K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,529 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.