| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP, LLC | 18700 NORTH HAYDEN ROAD SUITE 405 SCOTTSDALE, AZ 85255 | HCC LIFE INSURANCE COMPANY | $76K | — | $76K | 5.80% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE FLOOR 15 DALLAS, TX 75231 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $56K | — | $56K | 11.56% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $42K | $1K | $43K | 20.69% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | HARTFORD LIFE AND ACCIDENT | $36K | — | $36K | 23.87% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | — | $3K | $3K | 2.14% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE FLOOR 16 DALLAS, TX 75231 | KAISER FOUNDATION HEALTH PLAN INC | $5K | — | $5K | 3.58% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $24K | $658 | $24K | 20.55% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE P.O. BOX 123042 DALLAS, TX 75231 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $8K | — | $8K | 6.80% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $18K | $750 | $19K | 20.84% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | $563 | $13K | 20.89% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE FLOOR 15 DALLAS, TX 75231 | CIGNA DENTAL HEALTH OF TEXAS, INC. | $4K | — | $4K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $516 | $8K | 21.41% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE DALLAS, TX 75231 | AMERICAN FIDELITY ASSURANCE COMPANY | $7K | — | $7K | 21.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | — | NEW BENEFITS LTD | $2K | — | $2K | 12.35% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE FLOOR 15 DALLAS, TX 75231 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $1K | — | $1K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE FLOOR 15 DALLAS, TX 75231 | CIGNA DENTAL HEALTH OF ILLINOIS, INC. | $221 | — | $221 | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE FLOOR 15 DALLAS, TX 75231 | CIGNA DENTAL HEALTH OF KANSAS, INC. | $158 | — | $158 | 10.01% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE FLOOR 15 DALLAS, TX 75231 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $115 | — | $115 | 9.99% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE FLOOR 15 DALLAS, TX 75231 | CIGNA DENTAL OF OHIO, INC. | $54 | — | $54 | 9.98% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE FLOOR 15 DALLAS, TX 75231 | CIGNA DENTAL HEALTH OF COLORADO, INC. | $11 | — | $11 | 9.73% |
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 | 2,931 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,939 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 48 | $157K |
| Dental(8 contracts, 8 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,129 | $543K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 1,022 | $115K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,715 | $298K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 344 | $119K |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 248 | $100K |
| Prescription drug | RXBENEFITS, INC. | 951 | $2.4M |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 939 | $1.3M |
| Other(6 contracts, 5 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,982 | $540K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,982 | — |
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.