| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 | 18940 N PIMA RD SUITE 210 SCOTTSDALE, AZ 85255 | SUN LIFE ASSURANCE COMPANY OF CANADA | $123K | — | $123K | 9.91% |
| CONNER HEALTH AND BENEFITS INC.3 Filed as: CONNER HEALTH AND BENEFITS | 8445 KEYSTONE CROSSING STE 200 INDIANAPOLIS, IN 46240 | ONEAMERICA FINANCIAL PARTNERS, INC. | $7K | — | $7K | 14.00% |
| MEGAN R SILVERMAN3 Filed as: MEGAN SILVERMAN | 1423 MARTIN MEADOWS DRIVE FALLSTON, MD 21047 | ONEAMERICA FINANCIAL PARTNERS, INC. | — | $2K | $2K | 4.31% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM INSURANCE COMPANIES, INC. EIN 35-0781558 RX REBATE/ADMIN FEES | Float revenue; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Contract Administrator Service code 12 | — | $97K |
| INGENIORX, INC. EIN 82-3062245 ADMIN AGREEMENT FEES | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Claims processing; Other services Service code 12 | — | $9K |
| CONNER HEALTH AND BENEFITS INC AGENT-BROKER | Insurance brokerage commissions and fees; Insurance agents and brokers; Other commissions Service code 22 | 8445 KEYSTONE CROSSING INDIANAPOLIS, IN 46240 | $0 |
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 | 985 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 985 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | ONEAMERICA FINANCIAL PARTNERS, INC. | 2,180 | $52K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 985 | $1.2M |
| Other | ONEAMERICA FINANCIAL PARTNERS, INC. | 2,180 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,180 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.