| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC. DBA INTEGRO | 200 GLENRIDGE POINT PKWY STE 400 ATLANTA, GA 30342 | AETNA LIFE INSURANCE COMPANY | $71K | $0 | $71K | 15.77% |
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH BENEFIT SOLUTIONS | 18940 N PIMA ROAD SCOTTSDALE, AZ 85255 | AETNA LIFE INSURANCE COMPANY | $28K | $0 | $28K | 6.17% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC. DBA INTEGRO | 200 GLENRIDGE POINT PARKWAY STE 400 ATLANTA, GA 30342 | AETNA LIFE INSURANCE COMPANY | $16K | $0 | $16K | 6.50% |
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH BENEFIT SOLUTIONS | 18940 N PIMA ROAD SCOTTSDALE, AZ 85255 | AETNA LIFE INSURANCE COMPANY | $16K | $0 | $16K | 6.50% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC. | P.O. BOX 6180 CAROL STREAM, IL 60197 | VISION SERVICE PLAN | $5K | $0 | $5K | 5.00% |
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 | 938 | 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) | 938 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 2,010 | $249K |
| Vision | VISION SERVICE PLAN | 896 | $99K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 1,134 | $450K |
| Short-term disability | AETNA LIFE INSURANCE COMPANY | 1,134 | $450K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 1,134 | $450K |
| Other | AETNA LIFE INSURANCE COMPANY | 1,134 | $450K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,010 | — |
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.