| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN STE 1600 DALLAS, TX 75231 | STARMOUNT LIFE INSURANCE COMPANY | $0 | $12K | $12K | 2.42% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE | STE 400 200 GLENRIDGE PT PKWY ATLANTA, GA 30342 | STARMOUNT LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.36% |
| STEALTH PARTNER GROUP LLC3 | 18940 N PIMA RD STE 210 SCOTTSDALE, AZ 85255 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $11K | $11K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE STE 1600 DALLAS, TX 75231 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $3K | $18K | 12.12% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE | STE 400 200 GLENRIDGE PKWY ATLANTA, GA 30342 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $620 | $5K | 3.55% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN STE 1600 DALLAS, TX 75231 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $2K | $2K | 2.44% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE | STE 400 200 GLENRIDGE PT PKWY ATLANTA, GA 30342 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $385 | $385 | 0.52% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN STE 1600 DALLAS, TX 75231 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $1K | $5K | 12.55% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE | STE 400 200 GLENRIDGE PT PKWY ATLANTA, GA 30342 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $202 | $2K | 4.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CENTER | PO BOX 6180 CAROL STREAM, IL 60197 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 15.00% |
| STEALTH PARTNER GROUP LLC3 | 18940 N PIMA RD STE 210 SCOTTSDALE, CA 85255 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 5.00% |
| STEALTH PARTNER GROUP LLC3 | 18940 N PIMA RD STE 210 SCOTTSDALE, AZ 85255 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $793 | $793 | 4.98% |
| STEALTH PARTNER GROUP LLC3 | 18940 N PIMA RD STE 210 SCOTTSDALE, AZ 85255 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $659 | $659 | 5.00% |
| STEALTH PARTNER GROUP LLC3 | 18940 N PIMA RD STE 210 SCOTTSDALE, AZ 85255 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $652 | $652 | 5.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CENTER | PO BOX 6180 CAROL STREAM, IL 60197 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $595 | $0 | $595 | 7.43% |
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNERS GROUP LLC | 18940 N PIMA RD STE 210 SCOTTSDALE, AZ 85255 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $400 | $400 | 5.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INC CENTER | PO BOX 6180 CAROL STREAM, IL 60197 | LINCOLN LIFE & ANNUITY COMANY OF NEW YORK | $89 | $0 | $89 | 2.66% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $721K |
| INTEGRO USA EIN 20-2600995 BROKER | Other commissions Service code 55 | — | $0 |
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 | 1,140 | 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) | 1,140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | STARMOUNT LIFE INSURANCE COMPANY | 1,337 | $736K |
| Vision(2 contracts, 2 carriers) | STARMOUNT LIFE INSURANCE COMPANY | 1,207 | $524K |
| Life insurance(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,304 | $220K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,189 | $185K |
| Long-term disability(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 949 | $231K |
| Prescription drug | RXBENEFITS, INC. | 1,027 | $360K |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,304 | $224K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,337 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.