| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP | 18940 N. PIMA ROAD SUITE 210 SCOTTSDALE, AZ 85260 | UNUM GROUP | $29K | — | $29K | 5.00% |
| PRITCHARD & JERDEN INC3 Filed as: PRITCHARD & JERDEN INC. | 950 E PACES FERRY RD NE SUITE 2000 ATLANTA, GA 30326 | DELTA DENTAL INSURANCE COMPANY | $3K | $35K | $38K | 13.58% |
| PRITCHARD & JERDEN INC3 | 950 E PACES FERRY RD NE STE 2000 ATLANTA, GA 303261384 | METROPOLITAN LIFE INSURANCE COMPANY | $34K | $5K | $39K | 15.80% |
| PRITCHARD & JERDEN INC3 Filed as: PRITCHARD & JERDEN, INC. | 950 E PACES FERRY NE SUITE 2000 ATLANTA, GA 30326 | EYEMED VISION CARE | $3K | — | $3K | 11.38% |
| PRITCHARD & JERDEN INC3 Filed as: PRITCHARD & JERDEN, INC | 950 E PACES FERRY NE SUITE 2000 ATLANTA, GA 30326 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 11.28% |
| PRITCHARD & JERDEN INC3 | 905 E PACES FERRY NE SUITE 2000 ATLANTA, GA 30326 | EYEMED VISION CARE | $1K | — | $1K | 11.24% |
| PRITCHARD & JERDEN INC3 Filed as: PRITCHARD & JERDEN INC. | 950 E PACES FERRY RD NE SUITE 2000 ATLANTA, GA 30326 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 13.74% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SISCO EIN 42-1144827 THIRD PARTY ADMINISTRATOR | Contract Administrator Service code 13 | — | $75K |
| CIGNA EIN 84-0467907 PREFERRED PROVIDER NETWOR | Contract Administrator Service code 13 | — | $53K |
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 | 984 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 984 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 55 | $24K |
| Dental | DELTA DENTAL INSURANCE COMPANY | 984 | $282K |
| Vision(2 contracts) | EYEMED VISION CARE | 351 | $37K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 961 | $248K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 961 | $248K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 961 | $248K |
| Stop-loss / reinsurancereinsurance | UNUM GROUP | 260 | $583K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 961 | $248K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 984 | — |
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.
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.