| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP | 18940 NORTH PIMA ROAD SUITE 210 SCOTTSDALE, AZ 85255 | AMERICAN FIDELITY ASSURANCE COMPANY | $21K | — | $21K | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES IL INC | 500 W MADISON ST STE 2760 CHICAGO, IL 60661 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $112 | $10K | 11.06% |
| MICHAEL SCHNEIDER3 | 500 W MADISON ST STE 2700 CHICAGO, IL 60661 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 2.44% |
| EXPRESSLINK GENERAL AGENCY LLC3 | 4200 ROCKSIDE RD STE 103 CLEVELAND, OH 44131 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $88 | $2K | 2.39% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $837 | — | $837 | 0.93% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OH INC | 4700 ROCKSIDE ROAD STE 540 CLEVELAND, OH 44131 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $826 | $2K | 13.33% |
| LIFETIME FINANCIAL GROWTH OF N3 | 24500 CHAGRIN BLVD BEACHWOOD, OH 44122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6 | — | $6 | 0.04% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 4700 ROCKSIDE ROAD STE 540 CLEVELAND, OH 44131 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $653 | $17 | $670 | 8.68% |
| THOMAS S FARRO3 Filed as: THOMAS R DETTLING | 3291 STANLEY ROAD AKRON, OH 44333 | HARTFORD LIFE & ACCIDENT COMPANY | $29 | — | $29 | 14.95% |
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 | 160 | 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) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 102 | $17K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 286 | $90K |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 286 | $98K |
| Stop-loss / reinsurancereinsurance | AMERICAN FIDELITY ASSURANCE COMPANY | 160 | $420K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 286 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 286 | — |
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.