| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 | 18940 N. PIMA RD. SUITE 210 SCOTTSDALE, AZ 85255 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $54K | — | $54K | 7.85% |
| M.E. WILSON COMPANY, LLC3 | 300 W PLATT ST. STE 200 TAMPA, FL 33606 | SUN LIFE ASSURANCE COMPANY OF CANADA | $64K | — | $64K | 15.00% |
| M.E. WILSON COMPANY, LLC3 Filed as: M.E. WILSON COMPANY LLC | 300 WEST PLATT STREET TAMPA, FL 33606 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 9.83% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $265K |
| ANCHOR BENEFIT CONSULTING EIN 59-3283085 DENTAL CLAIM PROCESSOR | Claims processing; Other services Service code 12 | 2400 MAITLAND CENTER PARKWAY STE 111 MAITLAND, FL 32751 | $138K |
| M.E. WILSON COMPANY, LLC EIN 59-2585447 BROKER | Other commissions Service code 55 | PO BOX 373 TAMPA, FL 336010373 | $114K |
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 | 329 | 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) | 330 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 0 | $691K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 312 | $32K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 329 | $429K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 329 | $429K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 329 | $429K |
| Stop-loss / reinsurancereinsurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 0 | $691K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 329 | $429K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 329 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.