| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH BENEFIT SOLUTIONS LLC DBA | STEALTH PARTNER GROUP 18940 N PIMA RD SUITE 210 SCOTTSDALE, AZ 85255 | SUN LIFE ASSURANCE COMPANY OF CANADA | $213K | $189K | $403K | 17.29% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS. CTR. | PO BOX 102159 PASADENA, CA 911892159 | HARTFORD LIFE AND ACCIDENT | $111K | $7K | $118K | 8.30% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC. | PO BOX 6180 CAROL STREAM, IL 601976180 | KAISER FOUNDATION HEALTH PLAN REGION | $35K | — | $35K | 2.75% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1350 DRESDEN DR NE ATLANTA, GA 30319 | FIRST UNUM LIFE INSURANCE COMPANY | $13K | $10K | $23K | 4.42% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC. | PO BOX 6180 CAROL STREAM, IL 60197 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $88K | — | $88K | 19.73% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC | PO BOX 102159 PASADENA, CA 91189 | HARTFORD LIFE AND ACCIDENT | $9K | $567 | $9K | 7.08% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE CE | 1350 DRESDEN DR. NE ATLANTA, GA 30319 | FIRST UNUM LIFE INSURANCE COMPANY | $4K | $1K | $6K | 5.67% |
| INTEGRO INSURANCE BROKERS3 | 200 GLENRIDGE PT STE 400 ATLANTA, GA 30342 | ARAG INSURANCE COMPANY | $7K | — | $7K | 10.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 102159 PASADENA, CA 91189 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | — | $6K | 8.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CTR | PO BOX 102159 PASADENA, CA 91189 | HARTFORD LIFE INSURANCE CO. | $894 | $30 | $924 | 15.50% |
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 | 3,147 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN REGION | 209 | $1.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 4 | $69K |
| Vision | VISION SERVICE PLAN | 2,011 | $370K |
| Life insurance(2 contracts) | HARTFORD LIFE AND ACCIDENT | 7,086 | $1.6M |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 413 | $97K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 3,821 | $510K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN REGION | 209 | $1.3M |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,001 | $2.3M |
| Other(5 contracts, 5 carriers) | HARTFORD LIFE AND ACCIDENT | 7,086 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,086 | — |
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.