| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 | 18700 N HAYDEN ROAD, SUITE 405 SCOTTSDALE, AZ 85255 | SUN LIFE ASSURANCE COMPANY OF CANADA | $271K | $25K | $296K | 9.93% |
| STHEALH BENEFIT SOLUTIONS LLC | 18700 N. HAYDEN RD, SUITE 405 SCOTTSDALE, AZ 85255 | AMALGAMATED LIFE INSURANCE COMPANY | $59K | — | $59K | 8.85% |
| STHEALTH BENEFIT SOLUTIONS LLC Filed as: STHEALTH BENEFIT SOLUTIONS LLC (SF) | 18940 N. PIMA ROAD, #210 SCOTTSDALE, AZ 85255 | AMALGAMATED LIFE INSURANCE COMPANY | $25K | — | $25K | 3.69% |
| STHEALH BENEFIT SOLUTIONS LLC | 18700 N. HAYDEN RD, SUITE 405 SCOTTSDALE, AZ 85255 | AMALGAMATED LIFE INSURANCE COMPANY | $4K | — | $4K | 14.07% |
| STHEALTH BENEFIT SOLUTIONS LLC Filed as: STHEALTH BENEFIT SOLUTIONS LLC (SF) | 18940 N. PIMA ROAD, #210 SCOTTSDALE, AZ 85255 | AMALGAMATED LIFE INSURANCE COMPANY | $1K | — | $1K | 3.92% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SOUTHERN BENEFIT ADMINISTRATORS EIN 62-1116095 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing Service code 12 | — | $592K |
| MOONEY, GREEN, SAINDON, MURPHY & WE EIN 52-1958229 NONE | Legal; Other commissions Service code 29 | — | $40K |
| SEGAL SELECT INSURANCE NONE | Insurance services; Direct payment from the plan Service code 23 | 1111 SUPERIOR AVE, SUITE 2340 CLEVELAND, OH 44114 | $38K |
| CALIBRE CPA GROUP PLLC EIN 47-0900880 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $27K |
| CLEARSTEAD ADVISORS, LLC NONE | Investment management fees paid directly by plan; Direct payment from the plan Service code 50 | 1100 SUPERIOR AVENUE EAST, SUITE 70 CLEVELAND, OH 44114 | $11K |
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 | 40,987 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 40,987 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 15,000 | $3.0M |
| Long-term disability(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 15,000 | $3.7M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 15,000 | $3.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 15,000 | — |
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.