| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 2800 RIVER RD SUITE 310 DES PLAINES, IL 60018 | HEALTH CARE SERVICE CORPORATION | $26K | — | $26K | 1.04% |
| LINDEN GROUP HEALTH SERVICES INC.3 | 2800 RIVER RD SUITE 310 DES PLAINES, IL 60018 | HEALTH CARE SERVICE CORPORATION | — | $2K | $2K | 0.08% |
| EWI RE INC3 | 5430 LBJ FREEWAY STE 1595 DALLAS, TX 75240 | SUN LIFE ASSURANCE CO OF CANADA | $68K | — | $68K | 10.00% |
| STHEALTH BENEFIT SOLUTIONS LLC3 | 18940 N PIMA RD STE 210 SCOTTSDALE, AZ 85255 | SUN LIFE ASSURANCE CO OF CANADA | — | $59K | $59K | 8.67% |
| PLANNED ADMINISTRATORS, INC.3 Filed as: PLANNED ADMINISTRATORS INC | 17 TECHNOLOGY CIR STE E2AG COLUMBIA, SC 29203 | SUN LIFE ASSURANCE CO OF CANADA | — | $4K | $4K | 0.63% |
| BENEFIT CONTROLS OF THE CAROLINAS3 Filed as: BENEFIT CONTROLS OF CAROLINAS | 8049 CORPORATE CENTER DR CHARLOTTE, NC 282264468 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | — | $6K | 4.15% |
| USI INSURANCE SERVICES LLC3 | ATTN SOUTHEAST REGION PO BOX 62689 VIRGINIA BEACH, VA 234662689 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 0.85% |
| EWI RE INC3 | 5430 LBJ FREEWAY, SUITE 1595 DALLAS, TX 75240 | THE LINCOLN NATIONAL LIFE INSURANCE CO. | $10K | — | $10K | 8.47% |
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH BENEFIT SOLUTIONS LLC | 18940 N PIMA RD SUITE 210 SCOTTSDALE, AZ 85255 | THE LINCOLN NATIONAL LIFE INSURANCE CO. | — | $7K | $7K | 6.51% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 2800 RIVER RD SUITE 310 DES PLAINES, IL 60018 | DELTA DENTAL OF ILLINOIS | $7K | — | $7K | 7.47% |
| EWI RE INC3 | 5430 LBJ FREEWAY STE 1595 DALLAS, TX 75240 | THE LINCOLN NATIONAL LIFE INSURANCE CO | $5K | — | $5K | 12.68% |
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH BNFT SOLUTIONS LLC | 18940 N PIMA RD STE 210 SCOTTSDALE, AZ 85255 | THE LINCOLN NATIONAL LIFE INSURANCE CO | — | $3K | $3K | 6.68% |
| EWI RE INC3 | 5430 LBJ FREEWAY, SUITE 1595 DALLAS, TX 75240 | THE LINCOLN NATIONAL LIFE INSURANCE CO. | $3K | — | $3K | 8.95% |
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH BENEFIT SOLUTIONS LLC | 18940 N PIMA RD SUITE 210 SCOTTSDALE, AZ 85255 | THE LINCOLN NATIONAL LIFE INSURANCE CO. | — | $2K | $2K | 6.70% |
| EWI RE INC3 | 5430 LBJ FREEWAY STE 1595 DALLAS, TX 75240 | THE LINCOLN NATIONAL LIFE INSURANCE CO | $1K | — | $1K | 8.47% |
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH BNFT SOLUTIONS LLC | 18940 N PIMA RD STE 210 SCOTTSDALE, AZ 85255 | THE LINCOLN NATIONAL LIFE INSURANCE CO | — | $1K | $1K | 6.56% |
| EWI RE INC3 | 5430 LBJ FREEWAY STE 1595 DALLAS, TX 75240 | THE LINCOLN NATIONAL LIFE INSURANCE CO | $1K | — | $1K | 8.76% |
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH BNFT SOLUTIONS LLC | 18940 N PIMA RD STE 210 SCOTTSDALE, AZ 85255 | THE LINCOLN NATIONAL LIFE INSURANCE CO | — | $908 | $908 | 6.63% |
| EWI RE INC3 | 5430 LBJ FREEWAY STE 1595 DALLAS, TX 75240 | THE LINCOLN NATIONAL LIFE INSURANCE CO | $747 | — | $747 | 12.40% |
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH BNFT SOLUTIONS LLC | 18940 N PIMA RD STE 210 SCOTTSDALE, AZ 85255 | THE LINCOLN NATIONAL LIFE INSURANCE CO | — | $416 | $416 | 6.90% |
| EWI RE INC3 | 5430 LBJ FREEWAY STE 1595 DALLAS, TX 75240 | THE LINCOLN NATIONAL INSURANCE CO. | $473 | — | $473 | 8.94% |
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH BNFT SOLUTIONS LLC | 18940 N PIMA RD STE 210 SCOTTSDALE, AZ 85255 | THE LINCOLN NATIONAL INSURANCE CO. | — | $362 | $362 | 6.84% |
| EWI RE INC3 | 5430 LBJ FREEWAY STE 1595 DALLAS, TX 75240 | THE LINCOLN NATIONAL LIFE INSURANCE CO | $22 | — | $22 | 8.49% |
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH BNFT SOLUTIONS LLC | 18940 N PIMA RD STE 210 SCOTTSDALE, AZ 85255 | THE LINCOLN NATIONAL LIFE INSURANCE CO | — | $14 | $14 | 5.41% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PLANNED ADMINISTRATORS, INC. EIN 57-0718839 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | — | $149K |
| CYPRESS BENEFIT ADMINISTRATORS, LLC EIN 39-1997579 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | — | $15K |
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 | 491 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 494 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 375 | $2.4M |
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 473 | $246K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE CO. | 435 | $131K |
| Short-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE CO. | 150 | $46K |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE CO | 106 | $49K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE CO OF CANADA | 490 | $676K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL INSURANCE CO. | 124 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 490 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.