| 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 | $236K | $135K | $371K | 15.79% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC. | PO BOX 6180 CAROL STREAM, IL 601976180 | KAISER FOUNDATION HEALTH PLAN REGION | $41K | — | $41K | 3.25% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 200 GLENRIDGE PT PKWY SUITE 400 ATLANTA, GA 30342 | FIRST UNUM LIFE INSURANCE COMPANY | $13K | $5K | $18K | 1.94% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC. | PO BOX 6180 CAROL STREAM, IL 60197 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $39K | — | $39K | 9.61% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS. CTR. | PO BOX 102159 PASADENA, CA 911892159 | HARTFORD LIFE AND ACCIDENT | $9K | — | $9K | 7.90% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE CE | 1350 DRESDEN DR. NE ATLANTA, GA 30319 | FIRST UNUM LIFE INSURANCE COMPANY | $5K | $815 | $6K | 5.25% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 5668 CONCORD, CA 94524 | ARAG INSURANCE COMPANY | $8K | — | $8K | 10.00% |
| C AND H FINANCIAL, LLC3 Filed as: C&H FINANCIAL, LLC | 1 WESTBROOK CORP CENTER SUITE 300 WESTCHESTER, IL 60154 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | — | $5K | 8.00% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC | PO BOX 102159 PASADENA, CA 91189 | HARTFORD LIFE AND ACCIDENT | $1K | $1K | $3K | 13.02% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC. | 200 GLENRIDGE POINT PARKWAY SUITE 400 ATLANTA, GA 30342 | HARTFORD LIFE INSURANCE CO. | $693 | — | $693 | 15.01% |
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 | 223 | $1.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 4 | $61K |
| Vision | VISION SERVICE PLAN | 1,915 | $364K |
| Life insurance(2 contracts) | HARTFORD LIFE AND ACCIDENT | 4,105 | $138K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 356 | $109K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 3,514 | $936K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN REGION | 223 | $1.2M |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,834 | $2.3M |
| Other(5 contracts, 5 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 4,105 | $667K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,105 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.