| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA, INC | PO BOX 6180 CAROL STREAM, IL 60197 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $66K | — | $66K | 13.67% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA, INC | 1 STATE STREET 9TH FLOOR NEW YORK, NY 10004 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $57K | — | $57K | 11.81% |
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP | 18940 N PIMA ROAD STE 210 SCOTTSDALE, AZ 85255 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $18K | — | $18K | 3.78% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA, INC | PO BOX 6180 CAROL STREAM, IL 60197 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $8K | $1K | $9K | 3.81% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 200 GLENRIDGE POINT PKWY STE 400 ATLANTA, GA 30342 | RELIASTAR LIFE INSURANCE COMPANY | $30K | — | $30K | 23.23% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC. | 200 GLENRIDGE POINT PKWY STE 400 ATLANTA, GA 30342 | RELIASTAR LIFE INSURANCE COMPANY | $557 | — | $557 | 0.43% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC | PO BOX 6180 CAROL STREAM, IL 60197 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $7K | $908 | $8K | 7.26% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA, INC | PO BOX 6180 CAROL STREAM, IL 60197 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | $777 | $7K | 7.99% |
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 | 1,213 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 30 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,243 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(8 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 321 | $1.7M |
| Vision(8 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 321 | $1.7M |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 698 | $480K |
| Short-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 698 | $317K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 698 | $323K |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 588 | $130K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 698 | — |
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.