| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP | 18700 N HAYDEN RD SUITE 405 SCOTTSDALE, AZ 85255 | COMPANION LIFE | $16K | — | $16K | 7.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 3400 OVERTON PARK DR SE SUITE 300 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $19K | $3K | $23K | 13.11% |
| MCGRIFF INSURANCE SERVICES INC3 | P O BOX 896620 CHARLOTTE, NC 28289 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 9.19% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 3130 CROW CANYON PL SUITE 400 SAN RAMON, CA 94583 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $396 | — | $396 | 0.81% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF, A MARSH AND MCLENNAN AGENC | SUITE 1800 ATTN ACCOUNTING GREENSBORO, NC 27409 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $125 | $2K | 8.21% |
| SMITH, THOMAS, CHRISTOPHER3 | P O BOX 40386 798 BERRY RD NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $820 | $46 | $866 | 3.49% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHCOMP EIN 36-4197088 CLAIMS ADMIN | Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Plan Administrator; Contract Administrator Service code 12 | — | $49K |
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 | 148 | 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) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMPANION LIFE | 148 | $233K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 301 | $174K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 301 | $174K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 301 | $174K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE | 148 | $233K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 301 | $248K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 301 | — |
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."
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.