| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP, LLC | 18940 N PIMA RD STE 210 SCOTTSDALE, AZ 85255 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $90K | $90K | 7.50% |
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH BENEFIT SOLUTIONS, LLC | 18940 N PIMA RD STE 210 SCOTTSDALE, AZ 85255 | RELIASTAR LIFE INSURANCE COMPANY | $35K | $0 | $35K | 2.94% |
| SABAL BENEFITS, LLC3 | 1000 E BROWARD BLVD FORT LAUDERDALE, FL 33301 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $40K | $0 | $40K | 10.00% |
| SABAL BENEFITS, LLC3 | 1000 E BROWARD BLVD FORT LAUDERDALE, FL 33301 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $36K | $0 | $36K | 10.00% |
| SABAL BENEFITS, LLC3 | 1000 E BROWARD BLVD FORT LAUDERDALE, FL 33309 | RELIASTAR LIFE INSURANCE COMPANY | $72K | $0 | $72K | 20.00% |
| BSC AGENCY LLC3 | 1025 ASHWORTH ROAD WEST DES MOINES, IA 50265 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $19K | $19K | 5.20% |
| SABAL BENEFITS, LLC3 | 1000 E BROWARD BLVD FORT LAUDERDALE, FL 33301 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $19K | $0 | $19K | 9.98% |
| DIRECTPATH, LLC3 | 120 18T STREET SOUTH SUITE 102 BIRMINGHAM, AL 35233 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 5.01% |
| SABAL BENEFITS, LLC3 | 1000 E BROWARD BLVD FORT LAUDERDALE, FL 33301 | ARAG INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
| DIRECTPATH, LLC3 | 120 18TH ST S STE 102 BIRMINGHAM, AL 35233 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $85 | $0 | $85 | 8.83% |
| DIRECTPATH, LLC3 | 120 18 ST S STE 102 BIRMINGHAM, AL 35233 | FIRST UNUM LIFE INSURANCE COMPANY | -$1 | $0 | -$1 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INCL EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $872K |
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 | 4,465 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 4,465 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 2,680 | $176K |
| Life insurance(3 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,993 | $401K |
| Short-term disability(3 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,562 | $765K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 5,118 | $188K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 2,266 | $1.2M |
| Other(3 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,993 | $753K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,118 | — |
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.