| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 900 TAMPA, FL 33607 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $31K | $31K | 3.90% |
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP LLC SOUTHEAST | 18940 NORTH PIMA ROAD SUITE 210 SCOTTSDALE, AZ 85255 | HCC LIFE INSURANCE COMPANY | — | $26K | $26K | 5.00% |
| STEALTH PARTNER GROUP LLC3 | 18940 NORTH PIMA ROAD SUITE 210 SCOTTSDALE, AZ 85255 | HCC LIFE INSURANCE COMPANY | — | $4K | $4K | 0.80% |
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 | 1,268 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,269 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,367 | $789K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,367 | $789K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,367 | $789K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,367 | $789K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,367 | $789K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 612 | $529K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,367 | $789K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,367 | — |
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.