| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROWN RISK MANAGEMENT, LLC3 Filed as: KASMAT RISK MANAGEMENT LLC | 5071 NW 85TH ROAD CORAL SPRINGS, FL 33067 | CIGNA HEALTH & LIFE INSURANCE COMPANY | — | $215K | $215K | 4.42% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | CIGNA HEALTH & LIFE INSURANCE COMPANY | — | $97K | $97K | 2.00% |
| AMG BRICKELL INC3 Filed as: AMG BRICKELL INC. | 1111 PARK CENTRE BLVD. - STE 401 MIAMI GARDENS, FL 33169 | CIGNA HEALTH & LIFE INSURANCE COMPANY | — | -$70K | -$70K | -1.44% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: KASMAT RISK MANAGEMENT LLC | 5071 NW 85TH ROAD CORAL SPRINGS, FL 33067 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $32K | — | $32K | 14.00% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: KASMAT RISK MANAGEMENT LLC | 5071 NW 85TH ROAD CORAL SPRINGS, FL 33067 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | — | $17K | 14.00% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: KASMAT RISK MANAGEMENT LLC | 5071 NW 85TH ROAD CORAL SPRINGS, FL 33067 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $19K | — | $19K | 22.00% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: KASMAT RISK MANAGEMENT LLC | 5071 NW 85TH ROAD CORAL SPRINGS, FL 33067 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $18K | — | $18K | 22.00% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: KASMAT RISK MANAGEMENT LLC | 5071 NW 85TH ROAD CORAL SPRINGS, FL 33067 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $18K | — | $18K | 22.00% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: KASMAT RISK MANAGEMENT LLC | 5071 NW 85TH ROAD CORAL SPRINGS, FL 33067 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | — | $11K | 22.00% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: KASMAT RISK MANAGEMENT LLC | 5071 NW 85TH ROAD CORAL SPRINGS, FL 33067 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: KASMAT RISK MANAGEMENT, LLC | 5071 NW 85TH ROAD CORAL SPRINGS, FL 33067 | ARAG INSURANCE COMPANY | $1K | — | $1K | 5.00% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: KASMAT RISK MANAGEMENT LLC | 5071 NW 85TH ROAD CORAL SPRINGS, FL 33067 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | $1K | $4K | 18.95% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: KASMAT RISK MANAGEMENT LLC | 5071 NW 85TH ROAD CORAL SPRINGS, FL 33067 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | $833 | $3K | 18.58% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: KASMAT RISK MANAGEMENT, LLC | 5071 NW 85TH ROAD CORAL SPRINGS, FL 33067 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | $679 | $3K | 18.47% |
| PROINSURANCE HAWAII, LLC3 | 4348 WAIALAE AVE - #101 HONOLULU, HI 96816 | KAISER FOUNDATION HEALTH PLAN, INC. | $164 | — | $164 | 3.51% |
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 | 376 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 383 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | CIGNA HEALTH & LIFE INSURANCE COMPANY | 518 | $4.9M |
| Dental(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 189 | $344K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 364 | $41K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 376 | $139K |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 376 | $98K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 376 | $81K |
| Prescription drug | CIGNA HEALTH & LIFE INSURANCE COMPANY | 518 | $4.9M |
| Other(8 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 376 | $378K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 518 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.