| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP | 18940 N. PIMA RD #210 SCOTTSDALE, AZ 85255 | BERKSHIRE HATHAWAY SPECIALTY INS. CO. | $38K | — | $38K | 10.00% |
| LASSITER WARE Filed as: LASSITER WARE INC. | 2701 MAITLAND CTR. PKWY STE. 125 MAITLAND, FL 32751 | 5STAR LIFE INSURANCE COMPANY | $6K | — | $6K | 14.59% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INS. CO. EIN 59-1031071 NONE | Participant communication; Direct payment from the plan; Claims processing Service code 12 | — | $138K |
| NATIONAL EMPLOYEE BENEFITS ADMIN. EIN 65-0498809 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $62K |
| LASSITER-WARE INC. EIN 59-1258855 NONE | Direct payment from the plan; Consulting (general); Insurance agents and brokers Service code 16 | — | $51K |
| KARPUS INVESTMENT MANAGEMENT EIN 16-1290558 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $42K |
| U.A. OF JOURNEYMEN & 295 PPF EIN 59-0488966 RELATED ORGANIZATION | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $32K |
| BMJ CPA PLC EIN 45-3414091 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $29K |
| VISION SERVICE PLAN EIN 36-3560825 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $9K |
| PENSION FUND EVALUATIONS INC. EIN 11-2503982 NONE | Direct payment from the plan; Investment advisory (plan) Service code 27 | — | $7K |
| HEALTHECHOICES, INC. NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Participant communication; Direct payment from the plan Service code 12 | 2904 W. BAY TO BAY BLVD. TAMPA, FL 33629 | $6K |
| SOUTHERN ACTUARIAL SERVICES EIN 58-2409046 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $5K |
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 | 233 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 38 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 271 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | 5STAR LIFE INSURANCE COMPANY | 275 | $41K |
| Stop-loss / reinsurancereinsurance | BERKSHIRE HATHAWAY SPECIALTY INS. CO. | 227 | $385K |
| Other | 5STAR LIFE INSURANCE COMPANY | 275 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 275 | — |
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.