| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC Filed as: STEALTH PARTNER GROUP, LLC | 18700 NORTH HAYDEN ROAD SUITE 405 SCOTTSDALE, AZ 85255 | TOKIO MARINE HCC | $16K | — | $16K | 5.95% |
| REDTAIL LTD | 9999 BREWSTER PLACE SUITE 100 POWELL, OH 43065 | GUARDIAN | $2K | $5K | $6K | 7.04% |
| REDTAIL LTD | 9999 BREWSTER LANE SUITE 100 POWELL, OH 43065 | COMMUNITY INSURANCE COMPANY | $3K | $2K | $5K | 11.88% |
| TIMOTHY D SAWYER | 841 CEDAR CREEK ROAD MOCKSVILLE, NC 27028 | AFLAC | $2K | $68 | $2K | 7.21% |
| ERICA J LEONHARDT | 1685 DICKSON DRIVE MARYSVILLE, OH 43040 | AFLAC | $105 | — | $105 | 0.41% |
| REDTAIL LTD | 9999 BREWSTER PLACE SUITE #100 POWELL, OH 43065 | GUARDIAN | $1K | $560 | $2K | 17.18% |
| LIFETIME FINANCIAL GROWTH CO O | — | GUARDIAN | $11 | — | $11 | 0.11% |
| RONALD S. MOONEY Filed as: RONALD S MOONEY DBA RHK GROUP | 5960 VENTURE DRIVE SUITE B DUBLIN, OH 43017 | EYEMED VISION CARE | $440 | — | $440 | 10.12% |
| CORNERSTONE BROKER INS SERVICES Filed as: CORNERSTONE BROKER INSURANCE SVCS | 2101 FLORENCE AVENUE CINCINNATI, OH 45206 | EYEMED VISION CARE | $220 | — | $220 | 5.06% |
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 | 100 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 100 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | COMMUNITY INSURANCE COMPANY | 65 | $68K |
| Dental | GUARDIAN | 100 | $90K |
| Vision | EYEMED VISION CARE | 49 | $4K |
| Life insurance(2 contracts) | GUARDIAN | 100 | $100K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 29 | $35K |
| Long-term disability | GUARDIAN | 100 | $90K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE HCC | 64 | $265K |
| Other | GUARDIAN | 100 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 100 | — |
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.