| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP | 18940 N PIMA ROAD SUITE 210 SCOTTSDALE, AZ 85255 | QBE INSURANCE | — | $20K | $20K | 5.00% |
| KENNETH SUITER3 Filed as: KENNETH DEANSUTTER | 6804 ALCOVE LANE PLANO, TX 75024 | AFLAC | $20K | $5 | $20K | 7.67% |
| DONNA SHAW3 | 4811 KOEHLER RD ERIE, PA 16510 | AFLAC | $4K | — | $4K | 1.65% |
| NANCY E ODOM3 | 9330 LYNDON B JOHNSON FWY STE 1125 DALLAS, TX 75243 | AFLAC | $4K | $4 | $4K | 1.38% |
| DEBORAH A KRUMP3 | 1407 33RD ST S STE 107 SAINT CLOUD, MN 56301 | AFLAC | $3K | — | $3K | 1.06% |
| CHARLES E ALEXANDER3 | 18505 RESERVOIR RD SAEGERTOWN, PA 16433 | AFLAC | $2K | — | $2K | 0.72% |
| JOSE EDGER HERNANDEZ3 | 11532 LIPPITT AVE DALLAS, TX 75218 | AFLAC | $2K | $4 | $2K | 0.59% |
| RONALD PUSZ3 Filed as: RONALD W PUSZ | 18282 TECHNOLOGY DR SUITE 205 MEADVILLE, PA 16335 | AFLAC | $1K | — | $1K | 0.40% |
| EDWARD MICHAEL BATOR3 | 13301 GALLERIA PLA APT 1221 FARMERS BRANCH, TX 75244 | AFLAC | $977 | — | $977 | 0.37% |
| KRISTI KIM GOODELL3 | 10017 E MOUNTAIN VIEW RD UNIT 1074 SCOTTSDALE, AZ 85258 | AFLAC | $915 | — | $915 | 0.35% |
| BRENT LYNN SCHNEIDER3 | 4220 PIKE CT PLANO, TX 75093 | AFLAC | $712 | — | $712 | 0.27% |
| HUMAN INITIATIVES INC3 | 8700 MANCHACA RD SUITE 503 AUSTIN, TX 78748 | AFLAC | $642 | — | $642 | 0.25% |
| MARY PAGE3 | PO BOX 1714 JOSHUA, TX 76058 | AFLAC | $611 | — | $611 | 0.23% |
| RONALD DIETL3 Filed as: RONALD S DIETL | PO BOX 42 CLEAR LAKE, MN 55319 | AFLAC | $515 | — | $515 | 0.20% |
| ANGEL SAUCEDO3 | 10001 S 1ST ST APT 822 AUSTIN, TX 78748 | AFLAC | $499 | — | $499 | 0.19% |
| MICHAEL B DUECY3 | 1011 LAUREL CV BUDA, TX 78610 | AFLAC | $457 | — | $457 | 0.17% |
| JACOB CRESTON VAUGHAN3 | 1902 LAVACA CT CARROLLTON, TX 75010 | AFLAC | $450 | — | $450 | 0.17% |
| RACHEL F JASCHKE3 | 2033 PEACH DR NE SAUK RAPIDS, MN 56379 | AFLAC | $437 | — | $437 | 0.17% |
| ROBERT PERRY EVANS JR3 | 1031 SADDLEBROOK DR LUCAS, TX 75002 | AFLAC | $416 | — | $416 | 0.16% |
| STEVEN S. RODRIGUES3 Filed as: STEVEN S RODRIGUES | 57 MEADOW LARK DR CRANSTON, RI 02921 | AFLAC | $382 | — | $382 | 0.15% |
| BILLY M CRAIN3 | 1026 RHODES LN BROOKVILLE, PA 15825 | AFLAC | $348 | — | $348 | 0.13% |
| HARVEY EDWARD MCCREARY JR3 | 273 BELLWOOD DR GARLAND, TX 75040 | AFLAC | $310 | — | $310 | 0.12% |
| TERRY MICHAEL LAXSON3 | 6836 FM 2244 RD BLDG 3 AUSTIN, TX 78746 | AFLAC | $247 | — | $247 | 0.09% |
| JEROME JEFFREY PESEK3 | 330 TORRINGTON DR AUSTIN, TX 78737 | AFLAC | $246 | — | $246 | 0.09% |
| LARRY W MARONEY3 | 1230 MOUNTAIN BREEZE CANYON LAKE, TX 78133 | AFLAC | $239 | — | $239 | 0.09% |
| JASON MARONEY3 | PO BOX 841 INGRAM, TX 78025 | AFLAC | $201 | — | $201 | 0.08% |
| CLEMENT DANIEL II3 | 4725 STONEOAK DR BELTON, TX 76513 | AFLAC | $190 | — | $190 | 0.07% |
| DOROTHY CIMBANIN3 | PO BOX 227 JARRELL, TX 76537 | AFLAC | $185 | — | $185 | 0.07% |
| JENNIFER LOWE3 | 502 MOONLIGHT CIR NEW BRAUNFELS, TX 78132 | AFLAC | $185 | — | $185 | 0.07% |
| MICHELE K WILLEY3 | 1515 VILLAGE CENTER DR APT 202 LAKELAND, FL 33803 | AFLAC | $171 | — | $171 | 0.07% |
| KEITH ALLAN DEIMAN3 | 420 VISTA WAY DR SAGINAW, TX 76179 | AFLAC | $161 | — | $161 | 0.06% |
| TERRY E ANDERSON3 | 700 CEDAR ST SUITE 185 ALEXANDRIA, MN 56308 | AFLAC | $154 | — | $154 | 0.06% |
| DEBORAH L RANSDELL3 | 8512 SELWAY DR AUSTIN, TX 78736 | AFLAC | $146 | — | $146 | 0.06% |
| DAWN D STILLWELL3 | 135 S SAGE HOLLOW DRIPPING SPRINGS, TX 78620 | AFLAC | $144 | — | $144 | 0.06% |
| GARY C KLEIN3 | 3211 SAN SEBASTIAN DR CARROLLTON, TX 75006 | AFLAC | $141 | — | $141 | 0.05% |
| TODD H BURRER3 | 440 REGENCY PARKWAY DR SUITE 234 OMAHA, NE 68114 | AFLAC | $135 | — | $135 | 0.05% |
| CHRISTIAN M KRUEGER3 | 1259 LOOP 337 2ND FLOOR NEW BRAUNFELS, TX 78130 | AFLAC | $121 | — | $121 | 0.05% |
| MARIO HAIFA3 | 1195 WASHINGTON PIKE SUITE 300 BRIDGEVILLE, PA 15017 | AFLAC | $121 | — | $121 | 0.05% |
| CAROL J HANSEN3 | 1895 52ND ST SW PEQUOT LAKES, MN 56472 | AFLAC | $118 | — | $118 | 0.05% |
| EUREKA LYNN HENDERSON3 | 1906 NOLEN CT APT B ARLINGTON, TX 76012 | AFLAC | $109 | — | $109 | 0.04% |
| DARBY A BAER3 | PO BOX 2428 PMB 220 PENSACOLA, FL 32513 | AFLAC | $104 | — | $104 | 0.04% |
| DONALD JEFFREY BYNUM3 | 1105 HUNTRIDGE CIR AUSTIN, TX 78758 | AFLAC | $93 | — | $93 | 0.04% |
| MELISSA B BOYLE3 | 6300 E HAMPDEN AVE SUITE C101 DENVER, CO 80222 | AFLAC | $84 | — | $84 | 0.03% |
| DAVID A. GAMACHE3 Filed as: DAVID A GAMACHE | 90 WATERWHEEL LN NORTH KINGSTOWN, RI 02852 | AFLAC | $81 | — | $81 | 0.03% |
| JOHN PAUL THOMPSON SR3 | 6395 S KEWAUNEE WAY SUITE 425 AURORA, CO 80016 | AFLAC | $77 | — | $77 | 0.03% |
| TRAVIS L WILLEY3 | 203 COOPER AVE N STE 350 SAINT CLOUD, MN 56303 | AFLAC | $73 | — | $73 | 0.03% |
| BRYAN G CORBIN LLC3 | 706 OAK MEADOW CT LAKE OSWEGO, OR 97034 | AFLAC | $71 | — | $71 | 0.03% |
| MICHELE K WILLEY3 | 203 COOPER AVE N SUITE 350 SAINT CLOUD, MN 56303 | AFLAC | $67 | — | $67 | 0.03% |
| FRANK D LAFEMINA3 | 165 S GUADALUPE ST SUITE 120 SAN MARCOS, TX 78666 | AFLAC | $66 | — | $66 | 0.03% |
| JEFFREY M HANSEN3 | 1895 52ND ST SW PEQUOT LAKES, MN 56472 | AFLAC | $66 | — | $66 | 0.03% |
| WILLIAM H KIRK3 | 110 JEFFERSON BLVD WARWICK, RI 02888 | AFLAC | $66 | — | $66 | 0.03% |
| BARBARA BAROS3 | 5301 GOSHEN CT CORPUS CHRISTI, TX 78413 | AFLAC | $61 | — | $61 | 0.02% |
| SCOTT WEBB3 | 2155 W PINNACLE PEAK RD SUITE 205 PHOENIX, AZ 85027 | AFLAC | $58 | — | $58 | 0.02% |
| SUZANNE LEWIS3 | 7116 RIPLEY ST MCKINNEY, TX 75071 | AFLAC | $56 | — | $56 | 0.02% |
| MARK K HASLEY3 | 21732 N 86TH DR PEORIA, AZ 85382 | AFLAC | $54 | — | $54 | 0.02% |
| JEREMIAH J KERSTETTER3 | 6889 HIGHTOWER DR APT 523 NORTH RICHLAND HILLS, TX 76182 | AFLAC | $54 | — | $54 | 0.02% |
| MULLIGAN BENEFITS LLC3 | 24654 N LAKE PLEASANT PKWY 103-417 PEONA, AZ 85383 | AFLAC | $53 | — | $53 | 0.02% |
| GREGORY J WEEKS3 | 1259 LOOP 337 2ND FL NEW BRAUNFELS, TX 78130 | AFLAC | $51 | — | $51 | 0.02% |
| MARIA MULLIGAN3 | 24654 N LAKE PLEASANT PKWY 103-417 PEORIA, AZ 85383 | AFLAC | $51 | — | $51 | 0.02% |
| SCOTT WOOD3 Filed as: SCOTT J KOSTEL | 9566 E WINDROSE DR SCOTTSDALE, AZ 85260 | AFLAC | $49 | — | $49 | 0.02% |
| JACOB C ECHOLS3 | 3850 E BASELINE RD SUITE 116 MESA, AZ 85206 | AFLAC | $48 | — | $48 | 0.02% |
| SCOTT W BLACKSHEAR3 Filed as: SCOTT M GUTHRIE | 14227 N 14TH ST PHOENIX, AZ 85022 | AFLAC | $46 | — | $46 | 0.02% |
| RICHARD H NASH3 | 6503 MISSY DR DALLAS, TX 75252 | AFLAC | $46 | — | $46 | 0.02% |
| AMANDA MCCANN POTTER3 | 911 N MIDKIFF RD MIDLAND, TX 79701 | AFLAC | $45 | — | $45 | 0.02% |
| CYNDE DAVIS3 | 319 W MAIN ST DENISON, TX 75020 | AFLAC | $41 | — | $41 | 0.02% |
| DAVID ALAN OZOWSKI3 | 7108 OCCIDENTAL RD PLANO, TX 75025 | AFLAC | $40 | — | $40 | 0.02% |
| TIMOTHY R QUINLAN3 | 137 SEMICONON LN RENFREW, PA 16053 | AFLAC | $39 | — | $39 | 0.01% |
| LINDA G INKS3 | 17680 PALLADIUM LN EDMUND, OK 73012 | AFLAC | $39 | — | $39 | 0.01% |
| DAWN D STILLWELL3 | 135 S SAGE HOLW DRIPPING SPRINGS, TX 78620 | AFLAC | $37 | — | $37 | 0.01% |
| SCOTT WEBB3 | 12366 W MILTON DR PEORIA, AZ 85383 | AFLAC | $36 | — | $36 | 0.01% |
| PATRICIA A ROGOSHESKE3 | 1255 10TH AVE N SAINT CLOUD, MN 56303 | AFLAC | $33 | — | $33 | 0.01% |
| BRIAN W PATTEN3 | 120 MARGUERITE DR SUTIE 101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $29 | — | $29 | 0.01% |
| MARK S TAGLIAFERRI3 | 4 LEIGHAS LN COVENTRY, RI 02816 | AFLAC | $28 | — | $28 | 0.01% |
| BRENT FORD3 Filed as: BRENT A FORD | 40 NE LOOP 410 SUITE 408 SAN ANTONIO, TX 78216 | AFLAC | $28 | — | $28 | 0.01% |
| DONALD GREEN3 Filed as: DONALD A GREEN | 1611 W PLACITA GARBO GREEN VALLEY, AZ 85622 | AFLAC | $27 | — | $27 | 0.01% |
| A MORROW VENTURES LLC3 | 851 INTERNATIONAL PKWY SUITE 120 RICHARDSON, TX 75081 | AFLAC | $24 | — | $24 | 0.01% |
| JOY GRUBE PADGELEK3 | 1195 WASHINGTON PIKE SUITE 300 BRIDGEVILLE, PA 15017 | AFLAC | $23 | — | $23 | 0.01% |
| DARON H PHILLIPS3 | 8690 FM 1979 MARTINDALE, TX 78655 | AFLAC | $21 | — | $21 | 0.01% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES ROBERT BLAKEY | 14234 SAVANNAH PASS SAN ANTONIO, TX 78216 | AFLAC | $21 | — | $21 | 0.01% |
| MICHELLE RAE MAGUIRE3 | 7825 WASHINGTON AVE S SUITE 425 MINNEAPOLIS, MN 55439 | AFLAC | $20 | — | $20 | 0.01% |
| CRAIG R TURNER3 | 310 E INTERSTATE 30 SUITE 320 GARLAND, TX 75043 | AFLAC | $20 | — | $20 | 0.01% |
| BARBARA ANN MCNAUGHTON3 | 1308 NATURE WALK BLVD SW HUNTSVILLE, AL 35824 | AFLAC | $20 | — | $20 | 0.01% |
| A C LONG & ASSOCIATES INC3 | 1113 MEDINA RD STE 500 MEDINA, OH 44256 | AFLAC | $19 | — | $19 | 0.01% |
| ERNEST ANDREW GOVEA3 | 321 BOIS DARC ST LOCKHART, TX 78644 | AFLAC | $18 | — | $18 | 0.01% |
| MISTY D SHARP3 | 2355 W PINNACLE PEAK RD SUITE 380 PHOENIX, AZ 85027 | AFLAC | $17 | — | $17 | 0.01% |
| JENNIFER J JONES3 | 2905 S POWERS RD SALINA, KS 67401 | AFLAC | $17 | — | $17 | 0.01% |
| FRANKLIN R DAVIES3 | 201 ROYAL ABERDEEN WAY MCKINNEY, TX 75072 | AFLAC | $16 | — | $16 | 0.01% |
| HEATHER F SEIBERT3 | 86 COUNTY ROAD 303 SHINER, TX 77984 | AFLAC | $15 | — | $15 | 0.01% |
| MULLIGAN BENEFITS LLC3 | 24654 N LAKE PLEASANT PKWY 103-417 PEORIA, AZ 85383 | AFLAC | $14 | — | $14 | 0.01% |
| BRIAN TODD KAUFFMAN3 | 315 GREEN RIDGE RD SUITE H1 NEW CASTLE, PA 16105 | AFLAC | $13 | — | $13 | 0.00% |
| STEPHANIE KAY CENTER3 | 11911 GREENVILLE AVE APT 5109 DALLAS, TX 75243 | AFLAC | $13 | — | $13 | 0.00% |
| GREGORY F STENZEL3 | 1249 KIOWA DR W GAINSEVILLE, TX 76240 | AFLAC | $12 | — | $12 | 0.00% |
| RAND G SIMKINS3 | 1237 SHAWNEE TRL CARROLLTON, TX 75007 | AFLAC | $11 | — | $11 | 0.00% |
| JEREMY L TOMLINSON3 | 2805 N 36TH ST BOISE, ID 83703 | AFLAC | $10 | — | $10 | 0.00% |
| JOE A DEPASQUAL3 | 403 N FM 113 WEATHERFORD, TX 76088 | AFLAC | $10 | — | $10 | 0.00% |
| CHERISE M WADE3 | 1931 HIGHWAY 90 W SEALY, TX 77474 | AFLAC | $10 | — | $10 | 0.00% |
| GERHARD K GAISER3 | PO BOX 3363 ERIE, PA 16508 | AFLAC | $9 | — | $9 | 0.00% |
| SINAPI INSURANCE ASSOCIATES INC3 | 16 SWAN CT CRANSTON, RI 02921 | AFLAC | $9 | — | $9 | 0.00% |
| BARBARA ANN MCNAUGHTON3 | 337 JOEFFIE RD GRANT, AL 35747 | AFLAC | $8 | — | $8 | 0.00% |
| DONALD LARRY REYNOLDS3 | 8945 33RD ST N #B LAKE ELMO, MN 55042 | AFLAC | $8 | — | $8 | 0.00% |
| CHAD T NEVINS3 | 11811 N TATUM BLVD SUITE P129 PHOENIX, AZ 85028 | AFLAC | $6 | — | $6 | 0.00% |
| JAY T REX3 | 3710 CANEY CREEK RD AUSTIN, TX 78732 | AFLAC | $6 | — | $6 | 0.00% |
| KEVIN WRONA3 | 4086 FAR O WAY LN RICHFIELD, OH 44286 | AFLAC | $6 | — | $6 | 0.00% |
| BARBARA ANN MCNAUGHTON3 | 10000 N 31ST AVE SUITE C107 PHOENIX, AZ 85051 | AFLAC | $6 | — | $6 | 0.00% |
| JOSEPH MANGANO3 | 6100 OAK TREE BLVD SUITE 200 INDEPENDENCE, OH 44131 | AFLAC | $5 | — | $5 | 0.00% |
| DENNIS L HULSE3 | 240 PARALLEL ST PLEASANTVILLE, PA 16341 | AFLAC | $5 | — | $5 | 0.00% |
| CHAD P SCHNEIDER3 | 360 W HUBBARD ST APT 1105 CHICAGO, IL 60654 | AFLAC | $5 | — | $5 | 0.00% |
| ROBERT D SEIBERT3 | 86 COUNTY ROAD 303 SHINER, TX 77984 | AFLAC | $5 | — | $5 | 0.00% |
| SHARON MCKELVEY3 Filed as: SHARON I MCKELVEY | 197 N NOTTINGHAM LN LOT 3 PAYSON, AZ 85541 | AFLAC | $5 | — | $5 | 0.00% |
| JAMES G BRANDT3 | 47 MARVIN STREET PORT MATILDA, PA 16870 | AFLAC | $4 | — | $4 | 0.00% |
| TRACI J MOORE3 | 5712 COUNTY ROAD 141 SAINT CLOUD, MN 56301 | AFLAC | $4 | — | $4 | 0.00% |
| KNUTE NELSON3 | 3920 KIPLING AVE MINNEAPOLIS, MN 55416 | AFLAC | $4 | — | $4 | 0.00% |
| MAKOWSKI INS AGCY INC3 | 9404 WOODCHIP LN BROADVIEW HTS, OH 44147 | AFLAC | $3 | — | $3 | 0.00% |
| CHARLES MCCRANN3 | PO BOX 6971 CORPUS CHRISTI, TX 78466 | AFLAC | $3 | — | $3 | 0.00% |
| LEANN POTTER3 | 445 CANYON DR MESQUITE, NV 89027 | AFLAC | $3 | — | $3 | 0.00% |
| SARAH L WRONA3 | PO BOX 231 RICHFIELD, OH 44286 | AFLAC | $3 | — | $3 | 0.00% |
| THE TORRES GROUP LLC3 | 1750 FARMINTON CIRCLE WELLINGTON, TN 37919 | AFLAC | $3 | — | $3 | 0.00% |
| JEFFERY S GIBSON3 | 4805 LAKE BROOK DR SUITE 220 GLEN ALLEN, VA 23060 | AFLAC | $2 | — | $2 | 0.00% |
| LAUREL L HARLOW3 | 6200 W ROAN PL TUCSON, AZ 85743 | AFLAC | $2 | — | $2 | 0.00% |
| MICHAEL G GLADNICK3 | 3850 E BASELINE RD SUITE 116 MESA, AZ 85206 | AFLAC | $2 | — | $2 | 0.00% |
| NATALIE MALHAM3 | 3850 E BASELINE RD SUITE 116 MESA, AZ 85206 | AFLAC | $2 | — | $2 | 0.00% |
| SUSAN M KARGES3 | 7750 BLAZY RD EDINBORO, PA 16412 | AFLAC | $2 | — | $2 | 0.00% |
| LESLIE REX3 | 4405 MERRIMAN DR PLANO, TX 75074 | AFLAC | $2 | — | $2 | 0.00% |
| JOHN BURLEY3 Filed as: JOHN DOUGLAS BURLEY | 3060 W CALLE LUCINDA TUCSON, AZ 85741 | AFLAC | $2 | — | $2 | 0.00% |
| RAMIN BAHAR3 | 29 APRIL LN NANUET, NY 10954 | AFLAC | $2 | — | $2 | 0.00% |
| KEVIN J RYAN3 | 207 FIELDSTONE LANE LEDYARD, CT 06339 | AFLAC | $1 | — | $1 | 0.00% |
| OPPORTUNITY INC3 | 9404 WOODCHIP LN BROADVIEW HEIGHTS, OH 44147 | AFLAC | $1 | — | $1 | 0.00% |
| KRISTIN J QUINLAN3 | 137 SEMICONON LN RENFREW, PA 16053 | AFLAC | $1 | — | $1 | 0.00% |
| JAMES G BRANDT3 | 47 MARVIN ST PORT MATILDA, PA 16870 | AFLAC | $1 | — | $1 | 0.00% |
| ROBERTA DICKINSON3 Filed as: ROBERTA S DICKINSON | PO BOX 360277 STRONGVILLE, OH 44136 | AFLAC | $1 | — | $1 | 0.00% |
| THE PLEXUS GROUPE LLC3 | 21805 FIELD PARKWAY SUITE 300 DEER PARK, IL 60010 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $15K | $21K | 8.86% |
| WELLS FARGO INSURANCE SERVICES3 | 1018 W 9TH AVE KING OF PRUSSIA, PA 19406 | HYATT LEGAL PLANS | — | $84 | $84 | 0.47% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $450K |
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 | 0 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 774 | $664K |
| Vision | VISION SERVICE PLAN | 629 | $97K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,059 | $238K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,059 | $238K |
| Stop-loss / reinsurancereinsurance | QBE INSURANCE | 792 | $404K |
| Other(2 contracts, 2 carriers) | AFLAC | 261,552 | $280K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 261,552 | — |
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."
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.