| 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 | 1.38% |
| STEALTH PARTNER GROUP LLC3 | 18490 N PIMA RD SUITE 210 SCOTTSDALE, AZ 85255 | SUN LIFE ASSURANCE COMPANY OF CANADA | $120K | $85K | $204K | 16.78% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 234662819 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | — | $10K | 4.98% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 234661007 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.05% |
| USI INSURANCE SERVICES LLC3 | 2045 14TH AVE VERO BEACH, FL 329603441 | METROPOLITAN LIFE INSURANCE COMPANY | — | $57 | $57 | 0.03% |
| ARTEX RISK SOLUTIONS INC3 | 12750 MERIT DR #1000 DALLAS, TX 75251 | THE LINCOLN NATIONAL LIFE INSURANCE CO. | $18K | — | $18K | 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. | — | $7K | $7K | 5.00% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $4K | $11K | 11.57% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD RD SUITE 300 KIRKWOOD, MO 63122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 5.00% |
| ARTEX RISK SOLUTIONS INC3 | 12750 MERIT DR #1000 DALLAS, TX 75251 | THE LINCOLN NATIONAL LIFE INSURANCE CO | $9K | — | $9K | 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 | — | $3K | $3K | 5.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 234662819 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 9.94% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: USE INSURANCE SERVICES LLC | PO BOX 61007 VIRGINIA BEACH, VA 234661007 | METROPOLITAN LIFE INSURANCE COMPANY | — | $329 | $329 | 0.99% |
| ARTEX RISK SOLUTIONS INC3 | 12750 MERIT DR #1000 DALLAS, TX 75251 | THE LINCOLN NATIONAL LIFE INSURANCE CO | $4K | — | $4K | 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 | — | $2K | $2K | 5.00% |
| ATREX RISK SOLUTIONS INC3 | 12750 MERIT DR #1000 DALLAS, TX 75251 | THE LINCOLN NATIONAL LIFE INSURANCE CO. | $3K | — | $3K | 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. | — | $1K | $1K | 5.00% |
| ARTEX RISK SOLUTIONS INC3 | 12750 MERIT DR #1000 DALLAS, TX 75251 | 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 | — | $1K | $1K | 5.00% |
| ENROLLEASE3 Filed as: DIGITAL BENEFIT ADVISORS - CHICAGO | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 11.05% |
| ARTEX RISK SOLUTIONS INC3 | 12750 MERIT DR #1000 DALLAS, TX 75251 | THE LINCOLN NATIONAL LIFE INSURANCE CO | $2K | — | $2K | 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 | — | $618 | $618 | 5.00% |
| ARTEX RISK SOLUTIONS INC3 | 12750 MERIT DR #1000 DALLAS, TX 75251 | THE LINCOLN NATIONAL INSURANCE CO. | $489 | — | $489 | 12.00% |
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH BNFT SOLUTIONS LLC | 18940 N PIMA RD STE 210 SCOTTSDALE, AZ 85255 | THE LINCOLN NATIONAL INSURANCE CO. | — | $204 | $204 | 5.01% |
| ARTEX RISK SOLUTIONS INC3 | 12750 MERIT DR #1000 DALLAS, TX 75251 | THE LINCOLN NATIONAL LIFE INSURANCE CO | $188 | — | $188 | 12.03% |
| 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 | — | $78 | $78 | 4.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PLANNED ADMINISTRATORS, INC EIN 57-0718839 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $174K |
| LUCENT HEALTH EIN 39-1997579 ADMIN | Contract Administrator Service code 13 | — | $28K |
| DIGITAL INSURANCE EIN 58-2522668 INSURANCE AGENT | Insurance agents and brokers Service code 22 | — | $12K |
| TOTAL ADMINISTRATIVE SERVICES CORP EIN 39-1561025 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $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 | 508 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 511 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 349 | $2.2M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 260 | $307K |
| Vision(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 248 | $51K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE CO. | 406 | $182K |
| Short-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE CO. | 108 | $50K |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE CO | 102 | $64K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 516 | $1.2M |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL INSURANCE CO. | 94 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 516 | — |
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.