| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA, INC | P.O. BOX 6180 CAROL STREAM, IL 60197 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $29K | — | $29K | 5.28% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA, INC | 1 STATE STREET 9TH FLOOR NEW YORK, NY 10004 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $48K | — | $48K | 15.07% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA, INC | P.O. BOX 6180 CAROL STREAM, IL 601976180 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $48K | — | $48K | 15.07% |
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP | 18940 N PIMA ROAD SCOTTSDALE, AZ 85255 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $16K | $2K | $18K | 5.64% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA, INC | 1 STATE STREET PLAZA 9TH FLOOR NEW YORK, NY 10004 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $32K | — | $32K | 15.10% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA, INC | 18940 N PIMA ROAD SUITE 210 SCOTTSDALE, AZ 85255 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $32K | — | $32K | 15.10% |
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP | 18940 N PIMA ROAD SUITE 210 SCOTTSDALE, AZ 85255 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $11K | $2K | $12K | 5.85% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA, INC | 1 STATE STREET 9TH FLOOR NEW YORK, NY 10004 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $30K | — | $30K | 15.11% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA, INC | P.O. BOX 6180 CAROL STREAM, IL 601976180 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $30K | — | $30K | 15.11% |
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP | 18940 N PIMA ROAD SUITE 210 SCOTTSDALE, AZ 85255 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $10K | $2K | $12K | 5.93% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC | P.O. BOX 6180 CAROL STREAM, IL 60197 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | — | $5K | 9.93% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA, INC | P.O. BOX 6180 CAROL STREAM, IL 60197 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | — | $5K | 9.94% |
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 | 792 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 815 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(5 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE | 347 | $1.3M |
| Vision(5 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE | 347 | $1.3M |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 458 | $316K |
| Short-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 383 | $210K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 383 | $197K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 458 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.