| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP, LLC | 18700 N HAYDEN ROAD SUITE 405 SCOTTSDALE, AZ 85255 | SUN LIFE ASSURANCE COMPANY OF CANADA | $36K | $15K | $51K | 7.17% |
| UMR, INC.3 Filed as: UMR INC. | 115 W. WAUSAU AVENUE WAUSAU, WI 54401 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $4K | $4K | 0.59% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC | 571 MONON BLVD SUITE 400 CARMEL, IN 46032 | PARAMOUNT DENTAL | $8K | — | $8K | 10.00% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC | 571 MONON BLVD STE 400 CARMEL, IN 46032 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 15.22% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | STANDARD INSURANCE COMPANY | $2K | $3K | $5K | 11.14% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC | 271 MONON BLVD STE 400 CARMEL, IN 46032 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | STANDARD INSURANCE COMPANY | $920 | $1K | $2K | 11.35% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC | 571 MONON BLVD STE 400 CARMEL, IN 46032 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | STANDARD INSURANCE COMPANY | $664 | $764 | $1K | 10.75% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $118K |
| MJ INSURANCE EIN 35-1109367 BROKER | Other commissions Service code 55 | — | $21K |
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 | 225 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 225 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PARAMOUNT DENTAL | 225 | $77K |
| Life insurance | STANDARD INSURANCE COMPANY | 107 | $42K |
| Short-term disability | STANDARD INSURANCE COMPANY | 31 | $13K |
| Long-term disability | STANDARD INSURANCE COMPANY | 25 | $18K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 91 | $710K |
| Other | STANDARD INSURANCE COMPANY | 107 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 225 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.