| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP, LLC | UNKNOWN UNKNOWN UNKNOWN, VA 000000000 | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | $29K | $24K | $54K | 10.06% |
| MARSH & MCLENNAN AGENCY LLC3 | 4900 LIBBIE MILL BLVD STE 100 RICHMOND, VA 23230 | STANDARD INSURANCE COMPANY | $30K | $0 | $30K | 12.76% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH RD #600 RALEIGH, NC 27612 | STANDARD INSURANCE COMPANY | $6K | $0 | $6K | 2.55% |
| MARSH & MCLENNAN AGENCY LLC3 | 4900 LIBBIE MILL BLVD STE 100 RICHMOND, VA 23230 | STANDARD INSURANCE COMPANY | $16K | $0 | $16K | 8.42% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH RD #600 RALEIGH, NC 27612 | STANDARD INSURANCE COMPANY | $4K | $0 | $4K | 2.41% |
| MARSH & MCLENNAN AGENCY LLC3 | 4900 LIBBIE MILL BLVD STE 100 RICHMOND, VA 23230 | STANDARD INSURANCE COMPANY | $11K | $0 | $11K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH RD #600 RALEIGH, NC 27612 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 2.64% |
| MARSH & MCLENNAN AGENCY LLC3 | 4900 LIBBIE MILL BLVD STE 100 RICHMOND, VA 23230 | STANDARD INSURANCE COMPANY | $4K | $0 | $4K | 7.91% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH RD #600 RALEIGH, NC 27612 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 2.46% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 419814 BOSTON, MA 02241 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $34 | $5K | 10.20% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $619 | $619 | 1.27% |
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 | 421 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 429 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 689 | $201K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 654 | $49K |
| Life insurance | STANDARD INSURANCE COMPANY | 421 | $184K |
| Short-term disability | STANDARD INSURANCE COMPANY | 419 | $108K |
| Long-term disability | STANDARD INSURANCE COMPANY | 421 | $55K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | 695 | $533K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,039 | — |
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.