| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC5 Filed as: STEALTH PARTNER GROUP | 18940 NORTH PIMA RD, STE 210 SCOTTSDALE, AZ 85255 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $22K | $22K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENISTAR ADMIN SERVICES EIN 06-1490687 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $1.3M |
| HORIZON HEALTHCARE SERVICES, INC EIN 22-0999690 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $192K |
| WELLS FARGO BANK, NA EIN 94-1347393 NONE | Direct payment from the plan; Shareholder servicing fees; Custodial (securities) Service code 19 | — | $143K |
| CONTINENTAL BENEFITS, LLC EIN 38-3919227 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $51K |
| DELTA DENTAL OF NEW JERSEY EIN 22-1896118 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $29K |
| VISION SERVICE PLAN EIN 06-1227840 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $14K |
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 | 258 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 214 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 472 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | TRUSTMARK LIFE INSURANCE COMPANY | 460 | $1.1M |
| Short-term disability | TRUSTMARK LIFE INSURANCE COMPANY | 460 | $1.1M |
| Long-term disability | TRUSTMARK LIFE INSURANCE COMPANY | 460 | $1.1M |
| Stop-loss / reinsurancereinsurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 472 | $438K |
| Other | TRUSTMARK LIFE INSURANCE COMPANY | 460 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 472 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.