| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP, LLC | 18700 N. HAYDEN ROAD SUITE 405 SCOTTSDALE, AZ 85255 | HCC LIFE INSURANCE COMPANY | — | $46K | $46K | 5.95% |
| MARSH & MCLENNAN AGENCY LLC3 | 4401 NORTHSIDE PARKWAY NW SUITE 800 ATLANTA, GA 30327 | THE GUARDIAN INSURANCE COMPANY OF AMERICA | $46K | $2K | $48K | 12.77% |
| AGENT ALLIANCE CORPORATION3 Filed as: NO AGENT LISTED | — | THE GUARDIAN INSURANCE COMPANY OF AMERICA | — | $10K | $10K | 2.63% |
| MCGRIFF INSURANCE SERVICES INC3 | 3400 OVERTON PARK DR SE STE 300 ATLANTA, GA 30339 | THE GUARDIAN INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 2.37% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP INC. | 1612 MARION STREET 4TH FLOOR COLUMBIA, SC 29201 | THE GUARDIAN INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 0.49% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: IRONWOOD, A MARSH AND MCLENNAN | 4401 NORTHSIDE PARKWAY NW STE 800 ATLANTA, GA 30327 | VISION SERVICE PLAN | $2K | — | $2K | 3.82% |
| MCGRIFF INSURANCE SERVICES INC3 | P O BOX 896620 CHARLOTTE, NC 28289 | VISION SERVICE PLAN | $366 | — | $366 | 0.59% |
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 | 485 | 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) | 485 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN INSURANCE COMPANY OF AMERICA | 485 | $377K |
| Vision | VISION SERVICE PLAN | 354 | $62K |
| Life insurance | THE GUARDIAN INSURANCE COMPANY OF AMERICA | 485 | $377K |
| Short-term disability | THE GUARDIAN INSURANCE COMPANY OF AMERICA | 485 | $377K |
| Long-term disability | THE GUARDIAN INSURANCE COMPANY OF AMERICA | 485 | $377K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 403 | $779K |
| Other | THE GUARDIAN INSURANCE COMPANY OF AMERICA | 485 | $377K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 485 | — |
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.
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.