| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 | — | SYMETRA - STEALTH | — | — | $0 | 0.00% |
| STEALTH PARTNER GROUP LLC3 | 18700 N. HAYDEN RD SUITE 405 SCOTTSDALE, AZ 85255 | SYMETRA LIFE INSURANCE COMPANY | $66K | $19K | $86K | 19.35% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN. 16TH FLOOR DALLAS, TX 75231 | SUN LIFE ASSURANCE COMPANY OF CANADA | $13K | $0 | $13K | 14.32% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $857 | $857 | 0.95% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITYWEST BLVD #2400 HOUSTON, TX 770423031 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $0 | $7K | 9.94% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE #400 SADDLE BROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $829 | $829 | 1.24% |
| ITO LAH INC3 | 2311 TEXAS DRIVE #100 IRVING, TX 75062 | HARTFORD LIFE AND ACCIDENT | $5K | $0 | $5K | 14.00% |
| MORETON & COMPANY3 Filed as: JOHN L MORTON INC | 12164 N ANNA CADE ROAD ROCKWALL, TX 75087 | HARTFORD LIFE AND ACCIDENT | $5K | $0 | $5K | 14.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE DALLAS, TN 75231 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.06% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITYWEST BLVD #2400 HOUSTON, TX 770423031 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | $897 | $0 | $897 | 10.16% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE #400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 076635826 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | $0 | $112 | $112 | 1.27% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MHBT | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | MAGELLAN HEALTHCARE | $343 | $0 | $343 | 8.19% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $31K |
| MARSH & MCLENNAN AGENCY EIN 26-3237576 BROKER | Other commissions; Insurance agents and brokers Service code 22 | 8144 WALNUT HILL LANE 16TH FL DALLAS, TX 75231 | $9K |
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 | 128 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 220 | $75K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 171 | $13K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 178 | $90K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 178 | $90K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 159 | $33K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | SYMETRA - STEALTH | 127 | $921K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 178 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 220 | — |
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.