| 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 78212 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $3K | $9K | 15.99% |
| 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 | $4K | $0 | $4K | 5.94% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 3 PARKWAY NORTH BOULEVARD SUITE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $565 | $565 | 0.95% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: SPIRE RISK MANAGEMENT, LLC | 2101 MCCULLOUGH AVENUE SUITE 210 SAN ANTONIO, TX 78212 | AMERITAS LIFE INSURANCE CORPORATION | $2K | $0 | $2K | 7.57% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 2101 MCCULLOUGH AVENUE SUITE 210 SAN ANTONIO, TX 78212 | AMERITAS LIFE INSURANCE CORPORATION | $785 | $0 | $785 | 2.44% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: SPIRE RISK MANAGEMENT | 4318 WOODCOCK DRIVE, SUITE 130 SAN ANTONIO, TX 78228 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 10.46% |
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 | 197 | 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) | 197 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 149 | $32K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 142 | $10K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 195 | $59K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 195 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 195 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.