| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP, LLC | 18940 NORTH PIMA RD STE 210 SCOTTSDALE, AZ 85255 | RELIASTAR LIFE INSURANCE COMPANY | $24K | $68K | $92K | 6.76% |
| THOMAS W ELDER3 Filed as: THOMAS ELDER | 403 S WORTH PO BOX 654 SULLIVAN, IL 61951 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 7.50% |
| CHRISTINA O'BRIEN3 | 932 COUNTY ROAD 1350 N RR 3 BOX 7A SULLIVAN, IL 61951 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 7.50% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | PO BOX 441 DES MOINES, IA 50302 | METROPOLITAN LIFE INSURANCE COMPANY | — | $208 | $208 | 0.21% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, LLC | PO BOX 441 DES MOINES, IA 50302 | VISION SERVICE PLAN | $3K | — | $3K | 3.02% |
| MARC ALAN HOLLABAUGH3 | 836 WEST 62ND ST. KANSAS CITY, MO 64113 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 2.44% |
| THOMAS W ELDER3 Filed as: THOMAS ELDER | 403 S WORTH PO BOX 654 SULLIVAN, IL 61951 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $987 | — | $987 | 1.64% |
| CHRISTINA O'BRIEN3 | 932 COUNTY ROAD 1350 N RR 3 BOX 7A SULLIVAN, IL 61951 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $28 | — | $28 | 0.05% |
| CHRISTINA O'BRIEN3 | 932 COUNTY ROAD 1350 N, RR 3 BOX 7A SULLIVAN, IL 61951 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 9.01% |
| MARC ALAN HOLLABAUGH3 Filed as: MARC HOLLABAUGH | 836 WEST 62ND ST. KANSAS CITY, MO 64113 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 8.81% |
| THOMAS W ELDER3 | 403 S WORTH, PO BOX 654 SULLIVAN, IL 61951 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 2.20% |
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 | 1,204 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 965 | $84K |
| Life insurance(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,270 | $210K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 503 | $179K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 1,037 | $1.4M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,270 | $150K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,270 | — |
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.