| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP | 18940 N PIMA RD, STE 210 SCOTTSDALE, AZ 85255 | BERKLEY LIFE AND HEALTH INSURANCE CO. | $0 | $34K | $34K | 5.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES INC | P.O. BOX 441 DES MOINES, IA 50302 | METROPOLITAN LIFE INSURANCE COMPANY | $54K | $4K | $58K | 10.82% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES INC | P.O. BOX 441 DES MOINES, IA 50302 | STANDARD INSURANCE COMPANY | $8K | $0 | $8K | 8.00% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 Filed as: BENEFIT ADVISORS SERVICES GROUP | 1125 SANCTUARY PKWY, STE 300 ALPHARETTA, GA 30009 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 2.00% |
| C2 CENTRIC LLC3 | P.O. BOX 6824 GRAND RAPIDS, MI 49516 | STANDARD INSURANCE COMPANY | $253 | $0 | $253 | 0.26% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES INC | P.O. BOX 441 DES MOINES, IA 50302 | STANDARD INSURANCE COMPANY | $5K | $0 | $5K | 7.79% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 Filed as: BENEFIT ADVISORS SERVICES GROUP | 1125 SANCTUARY PKWY, STE 300 ALPHARETTA, GA 30009 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 1.95% |
| C2 CENTRIC LLC3 | P.O. BOX 6824 GRAND RAPIDS, MI 49516 | STANDARD INSURANCE COMPANY | $98 | $0 | $98 | 0.16% |
No Schedule C service providers reported on this filing.
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 | 388 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 392 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 9 | $270K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 892 | $808K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,011 | $61K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 405 | $113K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 222 | $77K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE AND HEALTH INSURANCE CO. | 386 | $678K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 9 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,011 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.