| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP, LLC | — | BERKLEY LIFE AND HEALTH INSURANCE CO. | $10K | $69K | $79K | 8.00% |
| UMR, INC.3 Filed as: UMR INC. | — | BERKLEY LIFE AND HEALTH INSURANCE CO. | — | $10K | $10K | 1.00% |
| M.E. WILSON COMPANY, LLC3 Filed as: ME WILSON COMPANY LLC | 300 W PLATT ST STE 200 TAMPA, FL 33606 | UNITEDHEALTHCARE INSURANCE COMPANY | $37K | — | $37K | 9.94% |
| M.E. WILSON COMPANY, LLC3 | 300 W PLATT ST STE 200 TAMPA, FL 33606 | SUN LIFE ASSURANCE COMPANY OF CANADA | $43K | — | $43K | 12.82% |
No Schedule C service providers reported on this filing.
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 | 675 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 678 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,140 | $377K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 1,140 | $377K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,140 | $377K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 477 | $332K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 477 | $332K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 477 | $332K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | BERKLEY LIFE | 675 | $2.0M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 477 | $332K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,140 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.