| 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. | $61K | — | $61K | 10.00% |
| LABOR FIRST LLC1 Filed as: LABOR-FIRST LLC | 3000 MIDLANTIC DRIVE, SUITE 101 MOUNT LAUREL, NJ 080541513 | HUMANA INSURANCE COMPANY | — | — | $0 | 0.00% |
| LASSISTER WARE, INC2 | 2701 MAITLAND CTR PKWY STE 125 MAITLAND, FL 32751 | 5STAR LIFE INSURANCE COMPANY | $8K | — | $8K | 16.72% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INS. CO. EIN 59-1031071 NONE | Direct payment from the plan; Participant communication; Claims processing Service code 12 | — | $177K |
| NATIONAL EMPLOYEE BENEFITS ADMIN. EIN 65-0498809 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $70K |
| LASSITER-WARE INC. EIN 59-1258855 NONE | Insurance agents and brokers; Consulting (general) Service code 16 | — | $56K |
| KARPUS INVESTMENT MANAGEMENT EIN 16-1290558 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $54K |
| 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 | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $24K |
| RIGHTWAY HEALTHCARE EIN 82-0865206 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $20K |
| PROCARE PHARMACY BENEFIT MNGR, INC. EIN 58-2422694 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $18K |
| TELADOC HEALTH, INC. EIN 04-3705970 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $10K |
| VISION SERVICE PLAN EIN 36-3560825 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $10K |
| PENSION FUND EVALUATIONS INC. EIN 11-2503982 NONE | Direct payment from the plan; Investment advisory (plan) Service code 27 | — | $8K |
| JOHNSON & CAGGIA LAW GROUP, PA EIN 59-3519587 NONE | Legal; Direct payment from the plan Service code 29 | — | $8K |
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 | 268 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 44 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 312 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | 5STAR LIFE INSURANCE COMPANY | 299 | $45K |
| Stop-loss / reinsurancereinsurance | BERKSHIRE HATHAWAY SPECIALTY INS. CO. | 279 | $609K |
| Other | 5STAR LIFE INSURANCE COMPANY | 299 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 299 | — |
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.