| 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 CO OF CANADA | $218K | $45K | $263K | 6.03% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM INSURANCE COMPANY, INC. EIN 35-0781558 NONE | Other services; Float revenue; Contract Administrator; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 12 | — | $2.0M |
| PROFESSIONAL BENEFIT ADMINISTRATORS EIN 36-3384135 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $1.4M |
| TRUESCRIPTS MANAGEMENT SERVICES EIN 46-4334244 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $1.3M |
| DELTA DENTAL OF INDIANA EIN 35-1545647 NONE | Contract Administrator; Claims processing Service code 12 | — | $280K |
| RONALD F. REMAK INSURANCE, INC. | Insurance agents and brokers Service code 22 | — | $65K |
| RONALD F. REMAK INSURANCE, INC NONE | Insurance agents and brokers Service code 22 | 306 STATE ROAD 446 BLOOMINGTON, IN 47401 | $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 | 6,901 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 80 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 6,981 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE CO OF CANADA | 7,520 | $4.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,520 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.