| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 | 18940 N PIMA RD SUITE 210 SCOTTSDALE, AZ 85255 | SUN LIFE - STEALTH PARTNER GROUP | $10K | $0 | $10K | 4.59% |
| MCGRIFF INSURANCE SERVICES INC3 | 214 N TRYON ST FL 46 CHARLOTTE, NC 28202 | SUN LIFE - STEALTH PARTNER GROUP | $31 | $0 | $31 | 0.01% |
| MCGRIFF INSURANCE SERVICES INC3 | 3605 GLENWOOD AVE RALEIGH, NC 27612 | UNITED OF OMAHA LIFE INS. CO. | $3K | $2K | $5K | 15.02% |
| MCGRIFF INSURANCE SERVICES INC3 | 3605 GLENWOOD AVE RALEIGH, NC 27612 | UNITED OF OMAHA LIFE INS. CO. | $3K | $1K | $4K | 14.28% |
| MCGRIFF INSURANCE SERVICES INC3 | 3605 GLENWOOD AVE RALEIGH, NC 27612 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.20% |
| MCGRIFF INSURANCE SERVICES INC3 | 3605 GLENWOOD AVE RALEIGH, NC 27612 | UNITED OF OMAHA LIFE INS. CO. | $1K | $649 | $2K | 14.80% |
| MCGRIFF INSURANCE SERVICES INC4 | 2000 CENTER POINT RD STE 2400 COLUMBIA, SC 29210 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $1K | $0 | $1K | 17.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | P.O. BOX 1087 WAUSAU, WI 544021087 | $97K |
| MCGRIFF INSURANCE SERVICES INC EIN 56-1623293 BROKER | Other commissions Service code 55 | 7701 AIRPORT CENTER DRIVE STE 1800 GREENSBORO, NC 27409 | $35K |
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 | 270 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 272 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NORTH CAROLINA | 270 | $106K |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 194 | $15K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INS. CO. | 155 | $40K |
| Long-term disability | UNITED OF OMAHA LIFE INS. CO. | 154 | $32K |
| Prescription drug | RX BENEFITS, INC. | 133 | $0 |
| Stop-loss / reinsurancereinsurance | SUN LIFE - STEALTH PARTNER GROUP | 133 | $213K |
| Other(3 contracts, 3 carriers) | TOKIO MARINE | 155 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 270 | — |
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.