| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 | 9375 E SHEA BLVD STE 205 SCOTTSDALE, AZ 85260 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $8K | $8K | 3.21% |
| STEALTH PARTNER GROUP LLC3 | 18940 N PIMA RD STE 210 SCOTTSDALE, AZ 85255 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | $2K | $3K | 1.01% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | RELIANCE STANDARD | $13K | $3K | $15K | 24.52% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | RELIANCE STANDARD | $8K | $2K | $10K | 24.69% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | RELIANCE STANDARD | $4K | $2K | $5K | 14.35% |
| MARSH & MCLENNAN AGENCY LLC3 | 3625 N ELM ST #200 GREENSBORO, NC 27455 | GUARDIAN | $10K | $1K | $11K | 36.72% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | RELIANCE STANDARD | $4K | $1K | $5K | 19.35% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | RELIANCE STANDARD | $522 | $155 | $677 | 19.44% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MEDCOST BENEFIT SERVICES EIN 56-2056821 N/A | Contract Administrator Service code 13 | — | $50K |
| MARSH & MCLENNAN AGENCY EIN 26-3237576 N/A | Insurance agents and brokers Service code 22 | — | $37K |
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 | 147 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SUN LIFE ASSURANCE COMPANY OF CANADA | 147 | $256K |
| Dental | GUARDIAN | 128 | $30K |
| Vision | GUARDIAN | 128 | $30K |
| Life insurance | RELIANCE STANDARD | 171 | $35K |
| Short-term disability | RELIANCE STANDARD | 121 | $63K |
| Long-term disability | RELIANCE STANDARD | 78 | $39K |
| Other(3 contracts) | RELIANCE STANDARD | 171 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 171 | — |
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.