| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 | 18700 NORTH HAYDEN ROAD SUITE 405 SCOTTSDALE, AZ 85255 | SUN LIFE ASSURANCE COMPANY OF CANADA | $22K | $13K | $35K | 7.92% |
| UMR, INC.3 | 115 WEST WAUSAU AVENUE WAUSAU, WI 54401 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 0.48% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS SVCS INC | 24610 DETROIT ROAD SUITE 150 WESTLAKE, OH 44145 | SYMETRA LIFE INSURANCE COMPANY | $8K | — | $8K | 11.72% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 45263 | DELTA DENTAL OF OHIO | $4K | — | $4K | 9.93% |
| BRANDON PENKO3 Filed as: BRANDON T PENKO | 4927 MAGNOLIA BEND DRIVE ROSHARON, TX 77583 | TRUSTMARK INSURANCE COMPANY | $2K | — | $2K | 8.63% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS | PO BOX 632886 CINCINNATI, OH 45263 | TRUSTMARK INSURANCE COMPANY | $2K | — | $2K | 7.83% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE | 221 SOUTH CHURCH STREET BOWLING GREEN, OH 43402 | TRUSTMARK INSURANCE COMPANY | $539 | — | $539 | 2.33% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS | PO BOX 632886 CINCINNATI, OH 45263 | TRUSTMARK INSURANCE COMPANY | $3K | — | $3K | 15.80% |
| BRANDON PENKO3 Filed as: BRANDON T PENKO | 4927 MAGNOLIA BEND DRIVE ROSHARON, TX 77583 | TRUSTMARK INSURANCE COMPANY | $3K | — | $3K | 12.86% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE | 221 SOUTH CHURCH STREET BOWLING GREEN, OH 43402 | TRUSTMARK INSURANCE COMPANY | $401 | — | $401 | 1.88% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS | PO BOX 632886 CINCINNATI, OH 45263 | TRUSTMARK INSURANCE COMPANY | $654 | — | $654 | 5.06% |
| BRANDON PENKO3 Filed as: BRANDON T PENKO | 4927 MAGNOLIA BEND DRIVE ROSHARON, TX 77583 | TRUSTMARK INSURANCE COMPANY | $624 | — | $624 | 4.83% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE | 221 SOUTH CHURCH STREET BOWLING GREEN, OH 43402 | TRUSTMARK INSURANCE COMPANY | $239 | — | $239 | 1.85% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ - DUBLIN, OH | PO BOX 632886 CINCINNATI, OH 45263 | EYEMED VISION CARE | $679 | — | $679 | 8.39% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 45263 | EYEMED VISION CARE | $129 | — | $129 | 1.59% |
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 | 152 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 125 | $36K |
| Vision | EYEMED VISION CARE | 113 | $8K |
| Life insurance(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 165 | $92K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 165 | $70K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 165 | $70K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 84 | $442K |
| Other(4 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 165 | $128K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 165 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.