| 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. | $55K | — | $55K | 10.00% |
| LABOR FIRST LLC3 Filed as: LABOR-FIRST LLC | 3000 MIDLANTIC DRIVE - SUITE 101 MOUNT LAUREL, NJ 080541513 | HUMANA INSURANCE COMPANY | $10K | — | $10K | 6.84% |
| LASSITER WARE3 Filed as: LASSITER WARE INC. | 2701 MAITLAND CTR. PKWY STE. 125 MAITLAND, FL 32751 | 5STAR LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INS. CO. EIN 59-1031071 NONE | Direct payment from the plan; Claims processing; Participant communication Service code 12 | — | $121K |
| NATIONAL EMPLOYEE BENEFITS ADMIN. EIN 65-0498809 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $59K |
| LASSITER-WARE INC. EIN 59-1258855 NONE | Insurance agents and brokers; Direct payment from the plan; Consulting (general) Service code 16 | — | $44K |
| KARPUS INVESTMENT MANAGEMENT EIN 16-1290558 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $38K |
| 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 |
| NOVAK FRANCELLA, LLC EIN 61-1436956 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $23K |
| HEALTHECHOICES, INC. EIN 59-3741257 NONE | Participant communication; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 12 | — | $11K |
| RIGHTWAY HEALTHCARE EIN 82-0865206 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $10K |
| VISION SERVICE PLAN EIN 36-3560825 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $8K |
| PENSION FUND EVALUATIONS INC. EIN 11-2503982 NONE | Investment advisory (plan); Direct payment from the plan Service code 27 | — | $7K |
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 | $40K |
| Stop-loss / reinsurancereinsurance | BERKSHIRE HATHAWAY SPECIALTY INS. CO. | 213 | $549K |
| Other | 5STAR LIFE INSURANCE COMPANY | 275 | $40K |
| 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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.