| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP | 18940 N PIMA RD SUITE 210 SCOTTSDALE, AZ 85255 | SUN LIFE AND HEALTH INSURANCE COMPANY | $57K | $26K | $83K | 7.26% |
| THE PLEXUS GROUPE LLC3 | 21805 FIELD PARKWAY SUITE 300 DEER PARK, IL 60010 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $18K | $4K | $22K | 17.47% |
| THE PLEXUS GROUPE LLC3 | 21805 FIELD PARKWAY SUITE 300 DEER PARK, IL 60010 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $16K | $3K | $19K | 16.75% |
| THE PLEXUS GROUPE LLC3 | 21805 FIELD PARKWAY SUITE 300 DEER PARK, IL 60010 | TELEDOC, INC | $4K | — | $4K | 13.74% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPIRE HEALTHCHOICE ASSURANCE, INC EIN 23-7391136 ADMINISTRATOR | Other fees; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Contract Administrator; Claims processing; Other services Service code 12 | — | $1.0M |
| DISCOVERY BENEFITS EIN 90-0058554 ADMINISTRATOR | Contract Administrator Service code 13 | — | $68K |
| THE PLEXUS GROUPE LLC CONSULTANT | Other commissions; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 21805 FIELD PARKWAY SUITE 300 DEER PARK, IL 60010 | $0 |
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 | 1,815 | 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) | 1,815 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TELEDOC, INC | 1,635 | $27K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 2,448 | $128K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,801 | $125K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,815 | $114K |
| Stop-loss / reinsurancereinsurance | SUN LIFE AND HEALTH INSURANCE COMPANY | 1,632 | $1.1M |
| Other | CCA, INC | 1,816 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,448 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.