| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP, LLC | 18700 NORTH HAYDEN ROAD SUITE 405 SCOTTSDALE, AZ 85255 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $49K | $49K | 7.04% |
| DIGITAL INSURANCE LLC3 | 300 GALLERIA PARKWAY SOUTHEAST SUITE 1100 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $20K | — | $20K | 10.60% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SOUTHEAST SUITE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $66K | $7K | $73K | 40.23% |
| CENTRO BENEFITS RESEARCH LLC3 | 24500 CHAGRIN BLVD STE 365 BEACHWOOD, OH 44122 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $4K | $17K | 9.41% |
| ENROLLEASE3 Filed as: ONE DIGITAL PREMIER SERVICES | 400 BERWYN PARK SUITE 200 BERWYN, PA 19312 | METROPOLITAN LIFE INSURANCE COMPANY | $168 | — | $168 | 0.09% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SOUTHEAST SUITE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $802 | $8K | 36.57% |
| CENTRO BENEFITS RESEARCH LLC3 | 24500 CHAGRIN BLVD. STE 365 BEACHWOOD, OH 44122 | METROPOLITAN LIFE INSURANCE COMPANY | $883 | $284 | $1K | 5.23% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SOUTHEAST SUITE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $569 | $6K | 63.90% |
| CENTRO BENEFITS RESEARCH LLC3 | 24500 CHAGRIN BLVD. STE 365 BEACHWOOD, OH 44122 | METROPOLITAN LIFE INSURANCE COMPANY | $376 | $136 | $512 | 5.59% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SOUTHEAST SUITE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $289 | $3K | 45.21% |
| CENTRO BENEFITS RESEARCH LLC3 | 24500 CHAGRIN BLVD STE 365 BEACHWOOD, OH 44122 | METROPOLITAN LIFE INSURANCE COMPANY | -$229 | -$48 | -$277 | -3.98% |
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 | 298 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 300 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 158 | $188K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 158 | $188K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 298 | $181K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 298 | $181K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 298 | $181K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 173 | $697K |
| Other(4 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 298 | $219K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 298 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.