| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP, LLC | 18700 N. HAYDEN ROAD SUITE 405 SCOTTSDALE, AZ 85255 | HCC LIFE INSURANCE COMPANY | $97K | $55K | $151K | 15.58% |
| MARSH & MCLENNAN AGENCY LLC3 | 485 N. KELLER RD. STE 450 MAITLAND, FL 32751 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $20K | $8K | $29K | 20.77% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS-SEE ATTACHED | — | AFLAC | $26K | $1K | $28K | 21.30% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 STARCREST DRIVE CLEARWATER, FL 33765 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | $2K | $14K | 11.71% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAN HEALTH EIN 16-1264154 TPA | Claims processing Service code 12 | — | $74K |
| MARSH & MCLENNAN AGENCY LLC BROKER | Insurance agents and brokers Service code 22 | 485 N. KELLER RD. STE 450 MAITLAND, FL 32751 | $52K |
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 | 244 | 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) | 244 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 211 | $120K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 211 | $120K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 243 | $137K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 243 | $137K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 243 | $137K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 168 | $972K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 243 | $267K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 243 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.