| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP, LLC | 18940 NORTH PRIMA ROAD SUITE 210 SCOTTSDALE, AZ 85255 | HCC LIFE INSURANCE COMPANY | $48K | $0 | $48K | 5.29% |
| MARSH & MCLENNAN AGENCY LLC3 | 301 CONGRESS, STE. 1000 AUSTIN, TX 78701 | SYMETRA LIFE INSURANCE COMPANY | $74K | $17K | $91K | 15.53% |
| MARSH & MCLENNAN AGENCY LLC3 | UNKNOWN DALLAS, TX 75231 | UNITED CONCORDIA INSURANCE COMPANY | $50K | $20K | $70K | 13.92% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE, STE. 1600 DALLAS, TX 75231 | SYMETRA LIFE INSURANCE COMPANY | $11K | $0 | $11K | 12.50% |
| MARSH & MCLENNAN AGENCY LLC3 | 301 CONGRESS STE. 1000 AUSTIN, TX 78701 | SYMETRA LIFE INSURANCE COMPANY | $0 | $148 | $148 | 0.16% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE DALLAS, TX 75231 | EYEMED | $8K | $0 | $8K | 9.91% |
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 | 856 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 862 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 1,294 | $504K |
| Vision | EYEMED | 1,159 | $82K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 832 | $587K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 832 | $587K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 832 | $587K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | TOKIO MARINE HCC | 655 | $1.8M |
| Other(2 contracts) | SYMETRA LIFE INSURANCE COMPANY | 832 | $677K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,294 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.