| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP | 18700 N HAYDEN RD SUITE 405 SCOTTSDALE, AZ 85255 | COMPANION LIFE INSURANCE COMPANY | $14K | — | $14K | 5.00% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC | DBA BRIO BENEFITS 100 BROADWAY, SUITE 21B NEW YORK, NY 10005 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $242 | $2K | 3.76% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BLVD 2ND FL HAUPPAUGE, NY 11788 | METROPOLITAN LIFE INSURANCE COMPANY | $801 | $10 | $811 | 1.29% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 61187 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | — | $525 | $525 | 0.83% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOTHWEST INC | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $6K | $14K | 22.94% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC DBA BRIO | 30 BROAD ST 35TH FL NEW YORK, NY 10004 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $670 | — | $670 | 1.11% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD 2ND FL HAUPPAUGE, NY 11788 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $251 | $251 | 0.42% |
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 | 158 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 135 | $63K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 135 | $63K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 158 | $60K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 158 | $60K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE INSURANCE COMPANY | 94 | $279K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 158 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 158 | — |
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.
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.