| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP | 18940 NORTH PIMA RD, STE 210 SCOTTSDALE, AZ 85255 | QBE INSURANCE | $36K | $25K | $61K | 17.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DR, STE 500 BETHESDA, MD 20817 | UNUM LIFE INSURANCE COMPANY | $24K | $6K | $29K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DR, STE 500 BETHESDA, MD 20817 | UNITED HEALTHCARE INSURANCE COMPANY | $4K | $0 | $4K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DR, STE 500 BETHESDA, MD 20817 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $1K | $3K | 10.70% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DR, STE 500 BETHESDA, MD 20817 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $90 | $0 | $90 | 3.45% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVE HARTFORD, CT 06156 | $203K |
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 | 300 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 300 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 266 | $40K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 272 | $29K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY | 314 | $297K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY | 314 | $295K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY | 314 | $295K |
| Stop-loss / reinsurancereinsurance | QBE INSURANCE | 269 | $359K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 314 | — |
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.