| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 | — | THE NORTH RIVER INSURANCE COMPANY | $66K | — | $66K | 15.05% |
| MARSH & MCLENNAN AGENCY LLC3 | 11330 LAKEFIELD DR SUITE 100 JOHNS CREEK, GA 30097 | HARTFORD LIFE AND ACCIDENT | $13K | — | $13K | 5.43% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | — | $6K | $6K | 2.40% |
| HIGGINBOTHAM INS AGENCY INC3 | 500 W. 13TH STREET FORT WORTH, TX 76102 | HARTFORD LIFE AND ACCIDENT | — | -$1 | -$1 | -0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DRIVE NORTH SUITE 300 MINNEAPOLIS, MN 55428 | DELTA DENTAL OF KENTUCKY | $3K | — | $3K | 1.97% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $195K |
| MARSH & MCLENNAN AGENCY EIN 26-3237576 BROKER | Other commissions Service code 55 | 360 EAST VINE STREET LEXINGTON, KY 40507 | $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 | 336 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 336 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 647 | $149K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 336 | $234K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 336 | $234K |
| Stop-loss / reinsurancereinsurance | NORTH RIVER - STEALTH PARTNER GROUP - CRUM | 280 | $442K |
| Other(2 contracts, 2 carriers) | THE NORTH RIVER INSURANCE COMPANY | 336 | $674K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 647 | — |
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.