| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP | 18940 N PIMA ROAD SUITE 210 SCOTTSDALE, AZ 85255 | SUN LIFE ASSURANCE COMPANY OF CANADA | $37K | $41K | $77K | 10.52% |
| ROBERT E PETERS3 | 950 E PACES FERRY RD STE 2000 ATLANTA, GA 30326 | BLUE SHIELD OF CALIFORNIA | — | $29K | $29K | 5.24% |
| PRITCHARD & JERDEN INC3 Filed as: PRITCHARD & JERDEN, INC. | 950 EAST PACES FERRY ROAD NE ONE ATLANTA PLAZA SUITE 2000 ATLANTA, GA 30326 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $28K | — | $28K | 5.93% |
| PRITCHARD & JERDEN INC3 Filed as: PRITCHARD & JERDEN, INC. | 950 E. PACES FERRY DRIVE ATLANTA, GA 303261384 | DELTA DENTAL OF NJ, INC | $6K | — | $6K | 1.46% |
| PRITCHARD & JERDEN INC3 | 950 EAST PACES FERRY ROAD NE ATLANTA, GA 30326 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA | $14K | — | $14K | 3.83% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY | 669 RIVER DRIVE CENTER #305 ELMWOOD PARK, NJ 07407 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $3K | $3K | 4.33% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $285 | — | $285 | 20.00% |
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 | 765 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 777 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE SHIELD OF CALIFORNIA | 88 | $921K |
| Dental | DELTA DENTAL OF NJ, INC | 1,387 | $398K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,197 | $72K |
| Life insurance | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 765 | $464K |
| Long-term disability | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 765 | $464K |
| Prescription drug | BLUE SHIELD OF CALIFORNIA | 88 | $560K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 584 | $734K |
| Other(2 contracts, 2 carriers) | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 765 | $466K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,387 | — |
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.