| 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 | $23K | $87K | $110K | 9.43% |
| SABAL BENEFITS, LLC3 Filed as: SABAL BENEFITS LLC | 1000 E BROWARD BLVD FORT LAUDERDALE, FL 33301 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $54K | $0 | $54K | 10.00% |
| SABAL BENEFITS, LLC3 Filed as: SABAL BENEFITS LLC | 1000 E BROWARD BLVD FORT LAUDERDALE, FL 33301 | RELIASTAR LIFE INSURANCE COMPANY | $88K | $0 | $88K | 20.00% |
| BSC AGENCY LLC3 | 1025 ASHWORTH RD WEST DES MOINES, IA 502653566 | RELIASTAR LIFE INSURANCE COMPANY | — | $18K | $18K | 4.00% |
| SABAL BENEFITS, LLC3 Filed as: SABAL BENEFITS LLC | 1000 E BROWARD BLVD FORT LAUDERDALE, FL 33301 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $43K | $0 | $43K | 9.99% |
| SABAL BENEFITS, LLC3 Filed as: SABAL BENEFITS LLC | 1000 E BROWARD BLVD FORT LAUDERDALE, FL 33301 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $24K | $0 | $24K | 10.00% |
| GRANVILLE A. LECOMPTE3 | 1000 E BROWARD BLVD FORT LAUDERDALE, FL 33301 | UNITEDHEALTHCARE INSURANCE COMPANY | $10 | $0 | $10 | 0.00% |
| DIRECTPATH, LLC3 | 120 18TH ST S STE 102 BIRMINGHAM, AL 35233 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $0 | $7K | 5.01% |
| DIRECTPATH, LLC3 | 120 18TH ST S STE 102 BIRMINGHAM, AL 35233 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $109 | $0 | $109 | 8.98% |
| DIRECTPATH, LLC3 | 120 18TH ST S STE 102 BIRMINGHAM, AL 35233 | FIRST UNUM LIFE INSURANCE COMPANY | $54 | $0 | $54 | 6.03% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES INC EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $1.2M |
| GRANVILLE ALAN LECOMPTE BROKER / CONSULTING | Consulting (general); Consulting fees; Other commissions Service code 16 | 1000 E BROWARD BLVD FORT LAUDERDALE, FL 33301 | $53K |
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 | 5,836 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 5,836 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 3,333 | $223K |
| Life insurance(3 contracts, 3 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 5,836 | $568K |
| Short-term disability(3 contracts, 3 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 5,100 | $975K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 4,661 | $241K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 2,564 | $1.2M |
| Other(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 5,836 | $872K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,836 | — |
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.