| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 | 18700 N HAYDEN RD STE 405 SCOTTSDALE, AZ 85255 | SYMETRA LIFE INSURANCE COMPANY | $40K | $51K | $92K | 11.38% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENESYS, INC. NONE | Direct payment from the plan; Contract Administrator Service code 13 | 7180 KOLL CENTER PKWY PLEASANTON, CA 94556 | $338K |
| WITHUM SMITH & BROWN PC EIN 22-2029790 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $100K |
| RAEL & LETSON EIN 94-1701048 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $75K |
| ANTHEM BLUE CROSS LIFE AND HEALTH EIN 95-4334852 NONE | Contract Administrator; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Claims processing Service code 12 | — | $66K |
| DELTA DENTAL EIN 94-1461312 NONE | Direct payment from the plan Service code 50 | — | $60K |
| BLUE CROSS OF CALIFORNIA EIN 95-3760980 NONE | Direct payment from the plan Service code 50 | — | $59K |
| KRAW LAW GROUP EIN 77-0171216 NONE | Legal; Direct payment from the plan Service code 29 | — | $35K |
| AMERICAN REALTY ADVISORS EIN 33-0123114 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $33K |
| NEYHART, ANDERSON, FLYNN & GROSBOLL NONE | Legal; Direct payment from the plan Service code 29 | 369 PINE ST STE 800 SAN FRANCISCO, CA 94104 | $25K |
| US BANK EIN 31-0841368 NONE | Direct payment from the plan; Custodial (securities) Service code 19 | — | $16K |
| MCMENOMY & ASSOCIATES CPAS LLP EIN 46-1559312 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $12K |
| SEGALL BRYANT & HAMILL EIN 41-1788385 NONE | Direct payment from the plan; Investment management Service code 28 | — | $9K |
| ATALANTA SOSNOFF CAPITAL LLC EIN 13-3098640 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $7K |
| VISION SERVICE PLAN EIN 13-2770433 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $7K |
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 | 551 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 39 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 590 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF CALIFORNIA | 1,569 | $0 |
| Life insurance | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | 529 | $18K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 529 | $826K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,569 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.