| 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 | $29K | $2K | $31K | 1.09% |
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH BENEFIT SOLUTIONS LLC | 18940 N PIMA RD STE 210 SCOTTSDALE, AZ 85255 | SUN LIFE ASSURANCE COMPANY OF CANADA | $113K | $122K | $235K | 18.82% |
| USI INSURANCE SERVICES LLC3 | 2045 14TH AVE VERO BEACH, FL 329603441 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 3.73% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 234661007 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.24% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 234662819 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 1.24% |
| EWI RE INC3 | 5430 LBJ FREEWAY, SUITE 1600 DALLAS, TX 75240 | THE LINCOLN NATIONAL LIFE INSURANCE CO. | $15K | — | $15K | 12.00% |
| 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. | $0 | $6K | $6K | 4.70% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $6K | $14K | 11.81% |
| EWI RE INC3 | 5430 LBJ FREEWAY STE 1600 DALLAS, TX 75240 | THE LINCOLN NATIONAL LIFE INSURANCE CO | $7K | — | $7K | 17.00% |
| 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 | $0 | $2K | $2K | 4.71% |
| EWI RE INC3 | 5430 LBJ FREEWAY, SUITE 1600 DALLAS, TX 75240 | THE LINCOLN NATIONAL LIFE INSURANCE CO. | $4K | — | $4K | 12.00% |
| 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. | $0 | $2K | $2K | 4.72% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 234662819 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 18.64% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: USE INSURANCE SERVICES LLC | PO BOX 61007 VIRGINIA BEACH, VA 234661007 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $934 | $934 | 3.04% |
| EWI RE INC3 | 5430 LBJ FREEWAY STE 1600 DALLAS, TX 75240 | THE LINCOLN NATIONAL LIFE INSURANCE CO | $3K | — | $3K | 12.00% |
| 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 | $0 | $1K | $1K | 3.61% |
| EWI RE INC3 | 5430 LBJ FREEWAY STE 1600 DALLAS, TX 75240 | THE LINCOLN NATIONAL LIFE INSURANCE CO | $2K | — | $2K | 12.00% |
| 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 | $0 | $2K | $2K | 9.64% |
| ENROLLEASE3 Filed as: DIGITAL BENEFIT ADVISORS - CHICAGO | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 12.00% |
| EWI RE INC3 | 5430 LBJ FREEWAY STE 1600 DALLAS, TX 75240 | THE LINCOLN NATIONAL LIFE INSURANCE CO | $1K | — | $1K | 17.00% |
| 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 | $0 | $715 | $715 | 9.60% |
| EWI RE INC3 | 5430 LBJ FREEWAY STE 1600 DALLAS, TX 75240 | THE LINCOLN NATIONAL INSURANCE CO. | $558 | — | $558 | 11.99% |
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH BNFT SOLUTIONS LLC | 18940 N PIMA RD STE 210 SCOTTSDALE, AZ 85255 | THE LINCOLN NATIONAL INSURANCE CO. | $0 | $219 | $219 | 4.71% |
| EWI RE INC3 | 5430 LBJ FREEWAY STE 1600 DALLAS, TX 75240 | THE LINCOLN NATIONAL LIFE INSURANCE CO | $142 | — | $142 | 11.98% |
| 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 | $0 | $114 | $114 | 9.62% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PLANNED ADMINISTRATORS, INC. EIN 57-0718839 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $155K |
| CYPRESS BENEFIT ADMINISTRATORS, LLC EIN 39-1997579 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $17K |
| DIGITAL INSURANCE EIN 58-2522668 INSURANCE AGENT | Insurance agents and brokers Service code 22 | — | $9K |
| TOTAL ADMINISTRATIVE SERVICES CORP CLAIMS PROCESSOR | Claims processing Service code 12 | 2302 INTERNATIONAL LANE MADISON, WI 53704 | $8K |
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 | 551 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 556 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 380 | $2.9M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 251 | $313K |
| Vision(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 201 | $48K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE CO. | 436 | $153K |
| Short-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE CO. | 155 | $54K |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE CO | 98 | $49K |
| Stop-loss / reinsurancereinsurance(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 527 | $1.5M |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL INSURANCE CO. | 108 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 527 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.