| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 | 18940 N PIMA RD SUITE 210 SCOTTSDALE, AZ 85255 | SUN LIFE AND HEALTH INSURANCE COMPANY | $60K | $13K | $73K | 6.65% |
| THE PLEXUS GROUPE LLC3 | 21805 FIELD PARKWAY SUITE 300 DEER PARK, IL 60010 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $25K | — | $25K | 16.90% |
| THE PLEXUS GROUPE LLC3 | 21805 FIELD PARKWAY SUITE 300 DEER PARK, IL 60010 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $22K | — | $22K | 17.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPIRE HEALTHCHOICE ASSURANCE, INC EIN 23-7391136 ADMINISTRATOR | Recordkeeping and information management (computing, tabulating, data processing, etc.); Other fees; Claims processing; Contract Administrator; Float revenue; Other services Service code 12 | — | $914K |
| INGENIO RX CLAIMS PROCESSING | Float revenue; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Contract Administrator Service code 12 | 450 HEADQUARTERS PLAZA 7TH FLOOR EAST TOWER MORRISTOWN, NJ 07960 | $38K |
| DISCOVERY BENEFITS EIN 90-0058554 ADMINISTRATOR | Contract Administrator Service code 13 | — | $36K |
| TELEDOC HEALTH ADMINISTRATOR | Contract Administrator Service code 13 | 240 W 37TH ST 7 EAST NEW YORK, NY 10018 | $26K |
| MORNEAU SHAPELL ADMINISTRATOR | Contract Administrator Service code 13 | — | $18K |
| THE PLEXUS GROUPE LLC BROKER | Insurance brokerage commissions and fees; Other commissions; Insurance agents and brokers 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 | 1,563 | 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) | 1,563 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 1,257 | $204K |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,563 | $148K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,576 | $127K |
| Stop-loss / reinsurancereinsurance | SUN LIFE AND HEALTH INSURANCE COMPANY | 1,443 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,576 | — |
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.