| 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 | — | $180K | $180K | 6.00% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: KASMAT RISK MANAGEMENT LLC | 5071 NW 85TH ROAD CORAL SPRINGS, FL 33067 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $30K | $714 | $31K | 18.43% |
| 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 | $714 | $18K | 18.74% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: KASMAT RISK MANAGEMENT LLC | 5071 NW 85TH ROAD CORAL SPRINGS, FL 330671990 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16K | $714 | $16K | 23.00% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: KASMAT RISK MANAGEMENT LLC | 5071 NW 85TH ROAD CORAL SPRINGS, FL 33067 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | $714 | $16K | 23.06% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: KASMAT RISK MANAGEMENT LLC | 5071 NW 85TH ROAD CORAL SPRINGS, FL 33067 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | $714 | $15K | 23.09% |
| 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 | $714 | $4K | 11.97% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: KASMAT RISK MANAGEMENT LLC | 5071 NW 85TH ROAD CORAL SPRINGS, FL 33067 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $714 | $6K | 25.11% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: KASMAT RISK MANAGEMENT, LLC | 5071 NW 85TH ROAD CORAL SPRINGS, FL 33067 | ARAG INSURANCE COMPANY | $895 | — | $895 | 5.00% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: KASMAT RISK MANAGEMENT LLC | 5071 NW 85TH ROAD CORAL SPRINGS, FL 33067 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 33.26% |
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 | 336 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 345 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH & LIFE INSURANCE COMPANY | 490 | $3.0M |
| Dental(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 163 | $263K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 311 | $36K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 336 | $94K |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 336 | $81K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 336 | $66K |
| Prescription drug | CIGNA HEALTH & LIFE INSURANCE COMPANY | 490 | $3.0M |
| Other(6 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 336 | $259K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 490 | — |
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.