| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH BENEFITS SOLUTIONS, LLC | 18940 NORTH PIMA ROAD, SUITE 200 SCOTTSDALE, AZ 85255 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $45K | $0 | $45K | 4.99% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA, INC. | 200 GLENRIDGE POINT PARKWAY SUITE 400 ATLANTA, GA 30342 | RELIASTAR LIFE INSURANCE COMPANY | $25K | $0 | $25K | 19.15% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA, INC. | PO BOX 6180 CAROL STREAM, IL 60197 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INS. CO. | $9K | $0 | $9K | 9.97% |
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 | 755 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 36 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 791 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 755 | $911K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INS. CO. | 1,145 | $87K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 755 | $911K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 755 | $911K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 755 | $911K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 755 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,145 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.