| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 2800 RIVER RD SUITE 310 DES PLAINS, IL 60018 | HEALTH CARE SERVICE CORPORATION | $28K | $2K | $31K | 1.13% |
| STEALTH PARTNER GROUP LLC3 | 18490 N PIMA RD SUITE 210 SCOTTSDALE, AZ 85255 | SUN LIFE ASSURANCE COMPANY OF CANADA | $129K | $78K | $208K | 16.29% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 234662819 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | — | $10K | 4.99% |
| USI INSURANCE SERVICES LLC3 | 2045 14TH AVE VERO BEACH, FL 329603441 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 1.38% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 234661007 | METROPOLITAN LIFE INSURANCE COMPANY | — | $219 | $219 | 0.11% |
| EWI RE INC3 | 5430 LBJ FREEWAY, SUITE 1600 DALLAS, TX 75240 | THE LINCOLN NATIONAL LIFE INSURANCE CO. | $17K | — | $17K | 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. | — | $14K | $14K | 9.90% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $8K | $16K | 14.56% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD RD SUITE 300 KIRKWOOD, MO 63122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 2.82% |
| ARTEX RISK SOLUTIONS INC3 | 12750 MERIT DR #1000 DALLAS, TX 75251 | THE LINCOLN NATIONAL LIFE INSURANCE CO | $7K | — | $7K | 14.46% |
| 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 | — | $5K | $5K | 9.54% |
| EWI RE INC3 | 5430 LBJ FREEWAY STE 1600 DALLAS, TX 75240 | THE LINCOLN NATIONAL LIFE INSURANCE CO | $1K | — | $1K | 2.55% |
| ARTEX RISK SOLUTIONS INC3 | 12750 MERIT DR #1000 DALLAS, TX 75251 | THE LINCOLN NATIONAL LIFE INSURANCE CO | $3K | — | $3K | 9.99% |
| 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 | $97 | $3K | $3K | 9.49% |
| EWI RE INC3 | 5430 LBJ FREEWAY STE 1600 DALLAS, TX 75240 | THE LINCOLN NATIONAL LIFE INSURANCE CO | $600 | — | $600 | 1.72% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 234662819 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 9.97% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: USE INSURANCE SERVICES LLC | PO BOX 61007 VIRGINIA BEACH, VA 234661007 | METROPOLITAN LIFE INSURANCE COMPANY | — | $453 | $453 | 1.38% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: USE INSURANCE SERVICES LLC | PO BOX 61007 VIRGINIA BEACH, VA 234661007 | METROPOLITAN LIFE INSURANCE COMPANY | — | $34 | $34 | 0.10% |
| 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. | — | $4K | $4K | 11.02% |
| ATREX RISK SOLUTIONS INC3 | 12750 MERIT DR #1000 DALLAS, TX 75251 | THE LINCOLN NATIONAL LIFE INSURANCE CO. | $3K | — | $3K | 9.81% |
| EWI RE INC3 | 5430 LBJ FREEWAY, SUITE 1600 DALLAS, TX 75240 | THE LINCOLN NATIONAL LIFE INSURANCE CO. | $699 | — | $699 | 2.20% |
| 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 | — | $2K | $2K | 10.42% |
| ARTEX RISK SOLUTIONS INC3 | 12750 MERIT DR #1000 DALLAS, TX 75251 | THE LINCOLN NATIONAL LIFE INSURANCE CO | $2K | — | $2K | 9.96% |
| EWI RE INC3 | 5430 LBJ FREEWAY STE 1600 DALLAS, TX 75240 | THE LINCOLN NATIONAL LIFE INSURANCE CO | $436 | — | $436 | 2.04% |
| ENROLLEASE3 Filed as: DIGITAL BENEFIT ADVISORS - CHICAGO | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 12.07% |
| ARTEX RISK SOLUTIONS INC3 | 12750 MERIT DR #1000 DALLAS, TX 75251 | THE LINCOLN NATIONAL LIFE INSURANCE CO | $1K | — | $1K | 14.46% |
| 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 | — | $952 | $952 | 9.41% |
| EWI RE INC3 | 5430 LBJ FREEWAY STE 1600 DALLAS, TX 75240 | THE LINCOLN NATIONAL LIFE INSURANCE CO | $258 | — | $258 | 2.55% |
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH BNFT SOLUTIONS LLC | 18940 N PIMA RD STE 210 SCOTTSDALE, AZ 85255 | THE LINCOLN NATIONAL INSURANCE CO. | — | $482 | $482 | 10.68% |
| ARTEX RISK SOLUTIONS INC3 | 12750 MERIT DR #1000 DALLAS, TX 75251 | THE LINCOLN NATIONAL INSURANCE CO. | $451 | — | $451 | 9.99% |
| EWI RE INC3 | 5430 LBJ FREEWAY STE 1600 DALLAS, TX 75240 | THE LINCOLN NATIONAL INSURANCE CO. | $91 | — | $91 | 2.02% |
| ARTEX RISK SOLUTIONS INC3 | 12750 MERIT DR #1000 DALLAS, TX 75251 | THE LINCOLN NATIONAL LIFE INSURANCE CO | $154 | — | $154 | 9.91% |
| 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 | — | $150 | $150 | 9.65% |
| EWI RE INC3 | 5430 LBJ FREEWAY STE 1600 DALLAS, TX 75240 | THE LINCOLN NATIONAL LIFE INSURANCE CO | $32 | — | $32 | 2.06% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PLANNED ADMINISTRATORS, INC EIN 57-0718839 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $197K |
| LUCENT HEALTH EIN 39-1997579 ADMIN | Contract Administrator Service code 13 | — | $26K |
| DIGITAL INSURANCE EIN 58-2522668 INSURANCE AGENT | Insurance agents and brokers Service code 22 | — | $10K |
| TOTAL ADMINISTRATIVE SERVICES CORP CLAIMS PROCESSOR | Claims processing Service code 12 | 2302 INTERNATIONAL LANE MADISON, WI 53704 | $7K |
| TRILOGY HEALTH SOLUTIONS INC EIN 46-4424095 OTHER | Other fees Service code 99 | — | $5K |
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 | $2.7M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 251 | $309K |
| Vision(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 236 | $50K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE CO. | 399 | $174K |
| Short-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE CO. | 113 | $53K |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE CO | 102 | $60K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 527 | $1.3M |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL INSURANCE CO. | 104 | $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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.