| 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 | $65K | $36K | $101K | 12.88% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENESYS, INC. NONE | Contract Administrator; Direct payment from the plan Service code 13 | 7180 KOLL CENTER PKWY PLEASANTON, CA 94556 | $365K |
| RAEL & LETSON EIN 94-1701048 NONE | Direct payment from the plan; Actuarial; Consulting (general) Service code 11 | — | $77K |
| WITHUM SMITH & BROWN PC EIN 22-2029790 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $69K |
| DELTA DENTAL EIN 94-1461312 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $57K |
| MILLER KAPLAN ARASE LLP EIN 95-2036255 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $43K |
| KRAW LAW GROUP EIN 77-0171216 NONE | Legal; Direct payment from the plan Service code 29 | — | $32K |
| AMERICAN REALTY ADVISORS EIN 33-0123114 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $27K |
| US BANK EIN 31-0841368 NONE | Direct payment from the plan; Custodial (securities) Service code 19 | — | $13K |
| NEYHART, ANDERSON, FLYNN & GROSBOLL NONE | Legal; Direct payment from the plan Service code 29 | 369 PINE ST STE 800 SAN FRANCISCO, CA 94104 | $13K |
| 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 fees paid directly by plan; Investment management Service code 28 | — | $7K |
| SMART SOURCE LLC NONE | Copying and duplicating; Direct payment from the plan Service code 36 | 515 N FLAGLER DR WEST PALM BEACH, FL 33401 | $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 | 557 | 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) | 596 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 6 | $16K |
| Dental | DELTA DENTAL OF CALIFORNIA | 1,586 | $0 |
| Vision | VISION SERVICE PLAN | 234 | $29K |
| Life insurance | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | 529 | $18K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 6 | $18K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 529 | $799K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,586 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.