| 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 HCC | $0 | $32K | $32K | 5.80% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF, MARSH & MCLENNAN AGENCY | 2300 RENAISSANCE BLVD 15TH FLOOR KING OF PRUSSIA, PA 75231 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $11K | $0 | $11K | 13.29% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNON AGENCY LLC | 8144 WALNUT HILL LN 15TH FL DALLAS, TX 75231 | HUMANA INSURANCE COMPANY | $8K | $0 | $8K | 9.94% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 55416 | HUMANA INSURANCE COMPANY | $0 | $2K | $2K | 1.91% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN FL 16 DALLAS, TX 75231 | UNITED HEALTHCARE INSURANCE COMPANY | $5K | $0 | $5K | 19.84% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN 16TH FL DALLAS, TX 75231 | TOKIO MARINE HCC | $2K | $0 | $2K | 10.00% |
| 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% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $116K |
| MARSH & MCLENNAN AGENCY, LLC EIN 26-3237576 BROKER | Other commissions Service code 55 | — | $33K |
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 | 113 | 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) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TOKIO MARINE HCC | 131 | $551K |
| Dental | HUMANA INSURANCE COMPANY | 277 | $80K |
| Vision | HUMANA INSURANCE COMPANY | 277 | $80K |
| Life insurance | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 274 | $86K |
| Short-term disability | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 274 | $86K |
| Long-term disability | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 274 | $86K |
| Other(5 contracts, 5 carriers) | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 274 | $134K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 277 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.