| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP | 100 FRONT STREET SUITE 610 WORCESTER, MA 01608 | GREAT MIDWEST INSURANCE COMPANY | $0 | $28K | $28K | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 1133 WESTCHESTER AVE STE N-136 WEST HARRISON, NY 106043546 | METROPOLITAN LIFE INSURANCE COMPANY | $50K | $15 | $50K | 19.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW YORK INC | 6 TOWER PL ALBANY, NY 122033725 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $5K | $5K | 1.86% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC- | OPUS ADVISORY GROUP 1133 WESTCHESTER AVE STE N-136 WHITE PLAINS, NY 106043546 | UNITEDHEALTHCARE INSURANCE COMPANY | $38K | $0 | $38K | 15.34% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 1133 WESTCHESTER AVE STE N-136 WHITE PLAINS, NY 106043546 | UNITEDHEALTHCARE INSURANCE COMPANY | $45K | $0 | $45K | 20.83% |
| CHRISTIANSEN INSURANCE GROUP, INC.3 Filed as: CHRISTIANSEN INSURANCE INC | — | TRIPLE S SALUD, INC. | $1K | $0 | $1K | 4.85% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK | 1133 WESTCHESTER AVE STE N136 WHITE PLAINS, NY 10604 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 20.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 NONE | Other services; Claims processing Service code 12 | — | $893K |
| BROWN & BROWN OF NEW YORK INC NONE | Other commissions Service code 55 | 1133 WESTCHESTER AVE STE N-136 WHITE PLAINS, NY 106043546 | $93K |
| CAREBRIDGE CORPORATION EIN 23-2614764 NONE | Other services; Contract Administrator Service code 13 | — | $28K |
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 | 976 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 30 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 168 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | GREAT MIDWEST INSURANCE COMPANY | 1,016 | $597K |
| Dental(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,559 | $243K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,559 | $214K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 892 | $265K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 288 | $246K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 288 | $246K |
| Prescription drug | TRIPLE S SALUD, INC. | 3 | $28K |
| Stop-loss / reinsurancereinsurance | GREAT MIDWEST INSURANCE COMPANY | 1,016 | $568K |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 892 | $551K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,559 | — |
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.