| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIDELITY HEALTH INSURANCE SERVICES3 Filed as: FIDELITY HEALTH INSURANCE SERV. | 200 SEAPORT BLVD BOSTON, MA 02210 | SUN LIFE ASSURANCE COMPANY OF CANADA | $27K | — | $27K | 10.04% |
| STEALTH PARTNER GROUP LLC3 | 18700 N. HAYDEN RD SUITE 405 SCOTTSDALE, AZ 85255 | HCC LIFE INSURANCE COMPANY | — | $9K | $9K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN EIN 16-1264154 CONTRACT ADMIN | Contract Administrator; Claims processing; Other fees Service code 12 | — | $94K |
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 | 239 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 243 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HCC LIFE INSURANCE COMPANY | 219 | $173K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 314 | $265K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 314 | $265K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 314 | $265K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 314 | $265K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 314 | $265K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 219 | $173K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 314 | $265K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 314 | — |
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.