| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP | 18940 N PIMA ROAD #210 SCOTTSDALE, AZ 85255 | QBE INSURANCE | $21K | — | $21K | 7.00% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4010 W BOY SCOUT BLVD STE 200 TAMPA, FL 33607 | PRINCIPAL LIFE INSURANCE COMPANY | $12K | $2K | $14K | 6.78% |
| TOWN & COUNTRY INSURANCE AGENCY INC3 Filed as: TOWN & COUNTRY INSURANCE AGENCY | 10260 WESTHEIMER ROAD SUITE 180 HOUSTON, TX 770423108 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | — | $9K | 4.35% |
| TOWN & COUNTRY INSURANCE AGENCY INC3 Filed as: TOWN & COUNTRY INSURANCE AGENCY | 10260 WESTHEIMER ROAD, SUITE 180 HOUSTON, TX 770423108 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 16.14% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TELADOC, INC. EIN 04-3705970 N/A | Contract Administrator Service code 13 | — | $24K |
| TOTAL ADMINISTRATIVE SERVICES CORP. EIN 39-1561025 N/A | Contract Administrator Service code 13 | — | $9K |
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 | 567 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 590 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 891 | $208K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 653 | $38K |
| Stop-loss / reinsurancereinsurance | QBE INSURANCE | 5,611 | $305K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,611 | — |
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.
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.