| 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 85255 | SUN LIFE ASSURANCE COMPANY OF CANADA | $21K | $23K | $44K | 10.39% |
| UMR, INC.3 Filed as: UMR INC | 11 SCOTT STREET SUITE 100 WAUSAU, WI 54403 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $3K | $3K | 0.77% |
| ACRISURE LLC3 | 2965 ALT 19 NORTH PALM HARBOR, FL 34683 | DELTA DENTAL INSURANCE COMPANY | $8K | $0 | $8K | 7.51% |
| ACRISURE LLC3 | 2965 ALT 19 N PALM HARBOR, FL 34683 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $0 | $7K | 15.00% |
| ACRISURE LLC3 | 2965 ALT 19 N PALM HARBOR, FL 34683 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $0 | $7K | 15.00% |
| ACRISURE LLC3 | 2965 ALT 19 NORTH PALM HARBOR, FL 34683 | ADVANTICA | $3K | $0 | $3K | 17.96% |
| ACRISURE LLC3 | 2965 ALT 19N PALM HARBOR, FL 34683 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $985 | $0 | $985 | 14.01% |
| ACRISURE LLC3 | 2965 ALT 19 N PALM HARBOR, FL 34683 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $708 | $0 | $708 | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR EIN 39-1995278 CLAIM ADMIN | Claims processing Service code 12 | — | $60K |
| ACRISURE BROKER | Insurance agents and brokers; Other commissions Service code 22 | 2965 ALT 19 N PALM HARBOR, FL 34683 | $9K |
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 | 322 | 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) | 322 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 213 | $108K |
| Vision(2 contracts, 2 carriers) | ADVANTICA | 322 | $23K |
| Life insurance | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | 322 | $44K |
| Long-term disability | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | 249 | $45K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 242 | $424K |
| Other(2 contracts) | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | 322 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 322 | — |
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.