| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH BENEFIT SOLUTIONS LLC | 18940 N PIMA RD STE 210 SCOTTSDALE, AZ 85255 | RELIASTAR LIFE INSURANCE COMPANY | $37K | $66K | $102K | 11.00% |
| SABAL BENEFITS, LLC3 Filed as: SABAL BENEFITS LLC | 1000 EAST BROWARD BLVD FORT LAUDERDALE, FL 33301 | RELIASTAR LIFE INSURANCE COMPANY | $4K | — | $4K | 0.46% |
| SABAL BENEFITS, LLC3 Filed as: SABAL BENEFITS LLC | 1000 EAST BROWARD BLVD FORT LAUDERDALE, FL 33301 | AETNA LIFE INSURANCE CO | $71K | — | $71K | 10.03% |
| SABAL BENEFITS, LLC3 Filed as: SABAL BENEFITS LLC | 1000 EAST BROWARD BLVD FORT LAUDERDALE, FL 33301 | AETNA LIFE INSURANCE COMPANY | $57K | — | $57K | 9.35% |
| DIRECTPATH, LLC3 Filed as: DIRECTPATH LLC | PO BOX 366 BIRMINGHAM, AL 35201 | RELIASTAR LIFE INSURANCE COMPANY | $46K | $7K | $52K | 10.31% |
| SABAL BENEFITS, LLC3 Filed as: SABAL BENEFITS LLC | 1000 EAST BROWARD BLVD FORT LAUDERDALE, FL 33301 | RELIASTAR LIFE INSURANCE COMPANY | $46K | — | $46K | 9.00% |
| SABAL BENEFITS, LLC3 Filed as: SABAL BENEFITS LLC | 1000 EAST BROWARD BLVD FORT LAUDERDALE, FL 33301 | AETNA LIFE INSURANCE CO | $40K | — | $40K | 10.11% |
| DIRECTPATH, LLC3 Filed as: DIRECTPATH LLC | 120 18TH STREET SOUTH STE 102 BIRMINGHAM, AL 35233 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 5.01% |
| SABAL BENEFITS, LLC3 Filed as: SABAL BENEFITS LLC | 1000 EAST BROWARD BLVD FORT LAUDERDALE, FL 33301 | AETNA LIFE INSURANCE COMPANY | $6K | — | $6K | 9.47% |
| DIRECTPATH, LLC3 Filed as: DIRECTPATH LLC | 120 18TH STREET SOUTH STE 102 BIRMINGHAM, AL 35233 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $112 | — | $112 | 8.36% |
| DIRECTPATH, LLC3 Filed as: DIRECTPATH LLC | 120 18TH ST SOUTH STE 102 BIRMINGHAM, AL 35233 | FIRST UNUM LIFE INSURANCE COMPANY | $44 | — | $44 | 4.91% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES INC EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $1.4M |
| INTEGRATED HEALTH CONCEPTS EIN 76-0622653 CONSULTING | Consulting fees; Consulting (general) Service code 16 | 11111 WILCREST GREEN DRIVE HOUSTON, TX 77042 | $0 |
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 | 7,864 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 82 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,946 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,295 | $271K |
| Life insurance(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 7,864 | $692K |
| Short-term disability(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO | 5,617 | $1.2M |
| Long-term disability | AETNA LIFE INSURANCE CO | 5,690 | $392K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 3,037 | $931K |
| Other | AETNA LIFE INSURANCE COMPANY | 7,864 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,864 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.