| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 | 18700 N HAYDEN RD STE 405 SCOTTSDALE, AZ 85255 | HCC LIFE INSURANCE COMPANY | — | $29K | $29K | 5.00% |
| STEALTH PARTNER GROUP LLC3 | 18700 N HAYDEN RD STE 405 SCOTTSDALE, AZ 85255 | HCC LIFE INSURANCE COMPANY | $5K | — | $5K | 0.95% |
| CBIZ BENEFITS & INSURANCE SERVICES | 2255 GLADES RD STE 321A BOCA RATON, FL 33431 | PRUDENTIAL INSURANCE CO OF AMERICA | — | — | $0 | 0.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | — | $7K | 4.57% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 2255 GLADES RD STE 321A BOCA RATON, FL 33431 | PRUDENTIAL INSURANCE CO OF AMERICA | — | — | $0 | 0.00% |
| CBIZ BENEFITS & INSURANCE SERVICES | 2255 GLADES RD STE 321A BOCA RATON, FL 33431 | PRUDENTIAL INSURANCE CO OF AMERICA | — | — | $0 | 0.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 2255 GLADES RD STE 321A BOCA RATON, FL 33431 | PRUDENTIAL INSURANCE CO OF AMERICA | — | — | $0 | 0.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 2255 GLADES RD STE 321A BOCA RATON, FL 33431 | PRUDENTIAL INSURANCE CO OF AMERICA | — | — | $0 | 0.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 2255 GLADES RD STE 321A BOCA RATON, FL 33431 | PRUDENTIAL INSURANCE CO OF AMERICA | — | — | $0 | 0.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 2255 GLADES RD STE 321A BOCA RATON, FL 33431 | PRUDENTIAL INSURANCE CO OF AMERICA | — | — | $0 | 0.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 2255 GLADES RD STE 321A BOCA RATON, FL 33431 | PRUDENTIAL INSURANCE CO OF AMERICA | — | — | $0 | 0.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 2255 GLADES RD STE 321A BOCA RATON, FL 33431 | PRUDENTIAL INSURANCE CO OF AMERICA | — | — | $0 | 0.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 2255 GLADES RD STE 321A BOCA RATON, FL 33431 | PRUDENTIAL INSURANCE CO OF AMERICA | — | — | $0 | 0.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 2255 GLADES RD STE 321A BOCA RATON, FL 33431 | PRUDENTIAL INSURANCE CO OF AMERICA | — | — | $0 | 0.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 2255 GLADES RD STE 321A BOCA RATON, FL 33431 | PRUDENTIAL INSURANCE CO OF AMERICA | $108K | $0 | $108K | — |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 2255 GLADES RD STE 321A BOCA RATON, FL 33431 | PRUDENTIAL INSURANCE CO OF AMERICA | $27K | — | $27K | — |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE CO OF AMERICA | — | $69 | $69 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH PLANS INC EIN 04-2734278 TPA | Claims processing; Other services Service code 12 | 1500 WEST PARK DRIVE WESTBOROUGH, MA 01581 | $253K |
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 | 226 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 226 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 445 | $155K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 445 | $155K |
| Life insurance(6 contracts) | PRUDENTIAL INSURANCE CO OF AMERICA | 323 | $153K |
| Short-term disability | PRUDENTIAL INSURANCE CO OF AMERICA | 230 | $208K |
| Long-term disability | PRUDENTIAL INSURANCE CO OF AMERICA | 161 | $78K |
| Other(6 contracts, 2 carriers) | HCC LIFE INSURANCE COMPANY | 230 | $924K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 445 | — |
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.