| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 | 18700 NORTH HAYDEN ROAD SUITE 405 SCOTTSDALE, AZ 85255 | SYMETRA LIFE INSURANCE COMPANY | — | $55K | $55K | 7.89% |
| LEAVITT GROUP3 Filed as: LEAVITT GREAT WEST INSURANCE | 2345 KING AVENUE WEST SUITE E BILLINGS, MT 59102 | AMERITAS LIFE INSURANCE CORP. | $4K | — | $4K | 2.81% |
| LEAVITT GROUP3 Filed as: DIXIE LEAVITT AGENCY | 115 NORTH MAIN STREET CEDAR CITY, UT 84720 | AMERITAS LIFE INSURANCE CORP. | — | $1K | $1K | 1.06% |
| LEAVITT GROUP3 Filed as: LEAVITT GREAT WEST INSURANCE | 2345 KING AVENUE WEST SUITE E BILLINGS, MT 59102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 8.90% |
| LEAVITT GROUP3 Filed as: LEAVITT GREAT WEST INSURANCE | 2345 KING AVENUE WEST SUITE E BILLINGS, MT 59102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 8.90% |
| VESTA VOLUNTARY SPECIALISTS INC3 | 8790 F STREET SUITE 204 OMAHA, NE 68127 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 14.65% |
| LEAVITT GROUP3 Filed as: LEAVITT GREAT WEST INSURANCE SERV | PO BOX 2518 BILLINGS, MT 59103 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 11.36% |
| TIM OLSON INC3 | 16820 FRANCES STREET SUITE 202 OMAHA, NE 68130 | METROPOLITAN LIFE INSURANCE COMPANY | -$62 | — | -$62 | -0.31% |
| VESTA VOLUNTARY SPECIALISTS INC3 | 8790 F STREET SUITE 204 OMAHA, NE 68127 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 16.27% |
| LEAVITT GROUP3 Filed as: LEAVITT GREAT WEST INSURANCE SERV | PO BOX 2518 BILLINGS, MT 59103 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 14.38% |
| TIM OLSON INC3 | 16820 FRANCES STREET SUITE 202 OMAHA, NE 68130 | METROPOLITAN LIFE INSURANCE COMPANY | -$505 | — | -$505 | -3.47% |
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 | 341 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 343 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP. | 107 | $124K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 107 | $124K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 160 | $55K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 160 | $32K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 111 | $701K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 218 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 218 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.