| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIDELITY HEALTH INSURANCE SERVICES3 | 200 SEAPORT BOULEVARD, V2B BOSTON, MA 02210 | SUN LIFE ASSURANCE COMPANY OF CANADA | $19K | — | $19K | 6.63% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | — | $8K | 2.88% |
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP, LLC | 18700 NORTH HAYDEN ROAD, SUITE 405 SCOTTSDALE, AZ 85255 | HCC LIFE INSURANCE COMPANY | $0 | $10K | $10K | 5.08% |
| UNKNOWN3 | UNKNOWN HONEY BROOK, PA 19344 | MERITAIN HEALTH | $10K | $770 | $10K | — |
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 | 334 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 335 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MERITAIN HEALTH | 261 | $0 |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 332 | $284K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 332 | $284K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 332 | $284K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 332 | $284K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 332 | $284K |
| Prescription drug | MERITAIN HEALTH | 261 | $0 |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 258 | $192K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 332 | $284K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 332 | — |
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.