| 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 | BERKSHIRE HATHAWAY SPECIALTY INSURANCE COMPANY | — | $23K | $23K | 5.00% |
| WILLIAM L SMUNK3 | 908 SANDY BAY RD KINGSTREE, SC 29556 | THE LINCOLN NATIONAL LIFE INSURANCE CO | $31K | — | $31K | 18.00% |
| BYNUM R TUTTLE JR3 | PO BOX 1110 DENTON, NC 27239 | THE LINCOLN NATIONAL LIFE INSURANCE CO | — | $7K | $7K | 4.00% |
| DAVID M GILSTON INS AGENCY3 Filed as: DAVID M GILSTON INS AGENCY INC | PO BOX 31029 CHARLESTON, SC 29417 | THE LINCOLN NATIONAL LIFE INSURANCE CO | — | $5K | $5K | 3.00% |
| WILLIAM L SMUNK3 | 908 SANDY BAY RD KINGSTREE, SC 29556 | THE LINCOLN NATIONAL LIFE INSURANCE CO | $12K | — | $12K | 10.00% |
| BYNUM R TUTTLE JR3 | PO BOX 1110 DENTON, NC 27239 | THE LINCOLN NATIONAL LIFE INSURANCE CO | — | $5K | $5K | 4.00% |
| WILLIAM L SMUNK3 | 908 SANDY BAY RD KINGSTREE, SC 29556 | THE LINCOLN NATIONAL LIFE INSURANCE CO | $19K | — | $19K | 18.00% |
| BYNUM R TUTTLE JR3 | PO BOX 1110 DENTON, NC 27239 | THE LINCOLN NATIONAL LIFE INSURANCE CO | — | $4K | $4K | 4.00% |
| DAVID M GILSTON INS AGENCY3 Filed as: DAVID M GILSTON INS AGENCY INC | PO BOX 31029 CHARLESTON, SC 29417 | THE LINCOLN NATIONAL LIFE INSURANCE CO | — | $3K | $3K | 3.00% |
| ENDEAVOR INSURANCE SERVICES, INC.3 Filed as: ENDEAVOR EMPLOYER SERVICES INC | 218 TRADE ST STE G GREER, SC 29561 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $4K | — | $4K | 10.85% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF SOUTH CAROLINA | PO BOX 198 GREER, SC 29652 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $1K | $3K | 16.17% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH & LIFE INSURANCE CO EIN 59-1031071 CLAIM ADMINISTRATION | Claims processing; Direct payment from the plan; Contract Administrator; Float revenue; Other services; Named fiduciary; Participant communication; Non-monetary compensation Service code 12 | 900 COTTAGE GROVE ROAD BLOOMFIELD, CT 06002 | $171K |
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 | 359 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 359 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | CIGNA HEALTH & LIFE INSURANCE COMPANY | 462 | $41K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE CO | 355 | $133K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE CO | 163 | $171K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE CO | 176 | $108K |
| Stop-loss / reinsurancereinsurance | BERKSHIRE HATHAWAY SPECIALTY INSURANCE COMPANY | 359 | $454K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE CO | 355 | $133K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 462 | — |
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.
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.