| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP, LLC | 18700 N. HAYDEN ROAD STE 405 SCOTTSDALE, AZ 85255 | TOKIO MARINE | $0 | $16K | $16K | 3.95% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 8144 WALNUT HILL LANE 15TH FLOOR DALLAS, TX 75231 | HUMANA | $7K | $0 | $7K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNON AGENCY LLC | 8144 WALNUT HILL LN SUITE 1600 DALLAS, TX 75231 | STANDARD INSURANCE COMPANY | $10K | $0 | $10K | 21.33% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNON AGENCY LLC | 8144 WALNUT HILL LN SUITE 1600 DALLAS, TX 75231 | STANDARD INSURANCE COMPANY | $4K | $0 | $4K | 23.16% |
| ENOCHS, KATHY SUE3 Filed as: ENOCHS, HATHY SUE | 12770 MERIT DRIVE STE 200, PARK CENTRAL 8 DALLAS, TX 75251 | TOKIO MARINE HCC | $2K | $0 | $2K | 10.00% |
| IMAGINE 3603 | 12770 MERIT DRIVE DALLAS, TX 75251 | TOKIO MARINE HCC | $0 | $543 | $543 | 3.60% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNON AGENCY LLC | 8144 WALNUT HILL LN SUITE 1600 DALLAS, TX 75231 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 21.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNON AGENCY LLC | 8144 WALNUT HILL LN SUITE 1600 DALLAS, TX 75231 | STANDARD LIFE INSURANCE | $2K | $0 | $2K | 22.54% |
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 | 123 | 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) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANA | 135 | $71K |
| Vision | HUMANA | 135 | $71K |
| Life insurance | STANDARD INSURANCE COMPANY | 181 | $46K |
| Short-term disability | STANDARD INSURANCE COMPANY | 23 | $19K |
| Long-term disability | STANDARD LIFE INSURANCE | 20 | $9K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE | 121 | $413K |
| Other | TOKIO MARINE HCC | 121 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 181 | — |
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.